I 摘要 P2P网络信贷有别于传统的银行借贷模式，是近年来出现的将金融服务和互联网 结合的一种互联网金融服务模式。随着P2P网络信贷平台借款速 度快的优势，其已迅 速成为个人和企业借贷的一种重要来源。P2P网络信贷平台帮助中小微型企业解决了 融资难的问题，使民间资本投资难和的问题得到了有效解决，为个人和中 小微型企业 短期借款提供了来源。P2P网络信贷行业在为人们提供需求的同时，自身也出现了问 题，给借款人和平台以及市场都带来了一定的影响。因此，如何解决P2P网络小额 信 贷倒闭及其他存在的问题，已成为管理P2P网络平台的重要问题。同时，虽然P2P 网络平台本身和银行放贷的功能相似，但法律对其的规范处于起步的阶段，导致P2P 网络信贷 行业在起步阶段未能健康发展。Z集团P2P 网络小额信贷也存在上述同样 的问题，因此找出其存在的问题，并对问题加以分析，对其长远发展有着重要的意义。 本文以Z集团P2P 网络小额信贷风险管理为研究对象，首先了解P2P 网络小额 信贷风险当前的研究情况，并分析网络信贷风险的特点为论文提供研究基础，并查阅 相关的资料了解当前国内外学者 对P2P网络小额信贷风险管理的研究成果，同时阐述 了P2P网络小额信贷的相关理论综述，为论文的研究内容和研究思路提供依据。其次， 对Z集团进行概述分析，了解Z集团的组 织结构，对Z集团P2P 网络小额信贷的发 展历程进行概括。通过了解Z集团P2P 网络小额信贷的现状，对P2P 网络小额信贷 的风险识别、风险评价和风险防范现状进行分析，提出 P2P 网络小额信贷目前所存 在的问题。再次根据Z集团P2P网络小额信贷风险识别的现状，对风险识别提出改 进，依据Z集团P2P网络小额信贷风险评价的现状，对Z集团风险评价体 系提出改 进。最后针对Z集团存在的信贷风险问题，提出信贷风险防范意见。 本文的主要结论如下，在信贷风险识别改进方面，Z集团需主要对非财务风险识 别进行改进，主要增 加风险识别内容，同时对财务数据风险识别进行改进，主要从财 务数据风险识别项目和内容进行改进，增加运营指标的风险识别。在信贷风险评价改 进方面，Z集团需建立适合中 小企业风险评价体系，进而完善Z集团P2P网络小额信 贷风险评价体系，降低信贷风险。在信贷风险防范方面，依据Z集团存在的信贷风险 管理问题，提出相应的风险防范措施。本 文通过对Z集团 P2P 网络小额信贷的分析， 提出其目前信贷风险识别、风险评价、风险防范存在的问题，针对风险识别，对风险 防范体系进行改进，并给出风险防范建议，以促 进其更好更快地发展。同时也希望该 建议能为其他P2P网络信贷平台的发展提供参考价值，帮助平台解决其发展问题。 关 键 词：P2P网络信贷，小额信贷，信贷风险 ABSTRACT III ABSTRACT P2P online credit is different from the traditional bank lending model. It is an Internet financial service model that combines financial services and the Internet in recent years. With the advantage of fast borrowing speed of P2P online credit platform, it has quickly become an important source of personal and corporate borrowing. The P2P online credit platform helps small and medium-sized enterprises to solve the problem of difficult financing, effectively solves the problem of difficult private capital investment, and provides a source of short-term loans for individuals and small and medium-sized enterprises. While the P2P online credit industry is providing demand to people, it has also encountered problems, which has brought some impact on borrowers and platforms as well as the market. Therefore, how to solve the P2P network microfinance failure and other existing problems has become an important issue in managing the P2P network platform. At the same time, because the P2P network platform itself and the bank's lending function are similar, but the legal regulation of it is in its infancy, resulting in the P2P network credit industry failing to develop healthily in the infancy. Z Group's P2P network microfinance also has the same problems mentioned above. Therefore, to find out the existing problems and analyze them, it has important significance for its long-term development. This article takes Z Group's P2P network microcredit risk management as the research object. First, understand the current research situation of P2P network microcredit risk, and analyze the characteristics of network credit risk to provide a research basis for the thesis. Scholars' research results on P2P network microfinance risk management, meanwhile expounded the related theoretical overview of P2P network microfinance, and provide the basis for the research content and research ideas of the thesis. Secondly, we will conduct an overview analysis of the Z Group, understand the organizational structure of the Z Group, and summarize the development history of the Z Group's P2P network microfinance. By understanding the current status of Z Group's P2P network microfinance, and analyzing the status of risk identification, risk assessment, and risk prevention of P2P network microfinance, the current problems of its P2P network microfinance are raised. Based on the current status of Z Group's P2P network microfinance risk identification, it proposes improvements to risk identification, and based on the Z Group's P2P network microfinance risk evaluation status, it proposes improvements to Z Group's risk evaluation system. 西安电子科技大学硕士学位论文 IV Finally, in view of the credit risk of Z Group, credit risk prevention opinions were put forward. The main conclusions of this article are as follows. In terms of credit risk identification improvement, Z Group needs to mainly improve non-financial risk identification, mainly add risk identification content, and at the same time improve financial data risk identification, mainly from financial data risk identification items and content. Improve and increase the risk identification of operational indicators. In terms of improving credit risk assessment, Z Group needs to establish a risk assessment system suitable for SMEs, and then improve the Z Group’s P2P network micro-credit risk assessment system to reduce credit risk. In terms of credit risk prevention, according to the credit risk management problems of Z Group, corresponding risk prevention measures are proposed. Through the analysis of the Z Group’s P2P network microfinance, this paper proposes its current problems in credit risk identification, risk evaluation, and risk prevention, improves the risk prevention system for risk identification, and provides risk prevention recommendations to promote its Better and faster development. At the same time, I hope that the proposal can provide reference value for the development of other P2P network credit platforms and help the platform solve its development problems. Keywords: P2P network credit, microfinance, credit risk 插图索引 V 插图索引 图1.1研究思路 ................ 3 图1.2研究框架 ................ 5 图3.1组织机构 .............. 18 图3.2 业务流程 ............. 18 图3.3 Z集团小额借款人数量 ..................... 21 图5.1 Z集团风险评价指标体系构建流程 . 34 图5.2 贷款风险识别评价体系 ................... 40 表格索引 VII 表格索引 表3.1 Z集团P2P网络小额信贷累计情况 ... 20 表3.2 Z集团非财务风险识别现状 ................ 22 表3.3 Z集团财务数据 风险识别现状 ............ 22 表3.4 Z集团定量指标现状 ............................ 23 表3.5 Z集团定性指标现状 ............................ 23 表3.6 Z集团风险 评价现状 ............................ 24 表4-1Z集团非财务风险识别内容 ................ 29 表4.2 Z集团财务数据风险识别内容 ............ 31 表5.1 Z集团偿债能力 指标 ............................ 35 表5.2 Z集团盈利能力指标 ........................... 35 表5.3 Z集团运营能力指标 ........................... 36 表5.4 Z集 团财务标权重 38 表5.5 Z集团非财务标权重 ........................... 39 表5.6 Z集团贷款风险评价评分表 ............... 41 表5.7 Z集团非财务指标评分 ....................... 42 表5.8 Z集团贷款风险评价结论 .................... 43 表6.1 Z集团贷前调查内容 ............................ 45 目录 IX 目录 摘要 ............ I ABSTRACT ........................... III 插图索引 .. V 表格索引 VII 第一章 绪论 ............................ 1 1.1研究背景及意义 ......... 1 1.1.1研究背景 ....... 1 1.1.2 研究目的及意义 ......................... 2 1.2研究思路、内容和方法 ............................ 3 1.2.1研究思路 ....... 3 1.2.2 研