国外P2P网贷大数据风控管理与经验借鉴  

Learn From the Foreign Experience of P2P Online Loan Big Data Risk Control and Management

作　　者：王冬吾[1] Wang Dongwu

机构地区：[1]广州工程技术职业学院,广东广州510075

出　　处：《西南金融》2019年第2期90-96,共7页Southwest Finance

基　　金：广东省哲学社会科学"十三五"规划课题"P2P网络借贷大数据风控体系研究"(项目编号:GD16XGL39)

摘　　要：近年来,互联网金融为中小企业增加了一条融资渠道,也肩负着实现普惠金融目标的重任。其中P2P网络借贷规模最大但问题也最多,对网络借贷平台进行风险管理的呼声也不断提高。本文通过对国外网贷行业与平台的实践进行梳理,了解国外的征信法律环境、监管模式等,分析国外先进的大数据信用评级、多途径风险分散化、大数据风险管理、多样化机构合作等风控管理的经验,并结合我国网贷行业征信、法律机制、风控技术以及监管等实际,建议从构建信用评级、完善政策、健全监管体系、差异化利率、建立违约补偿机制等方面加强网贷大数据风控,促进网贷行业可持续发展。In recent years, Internet finance has created a new financing channel for SMEs, and has taken the heavy responsibility of achieving the goal of inclusive finance. Although P2P online loan has the largest scale, it has many issues as well. Under such circumstance, the call for risk management of online lending platforms keeps in. creasing. This paper sorts out the practice of foreign online loan industries and platforms, understands foreign credit legal environment and supervision mode, analyzes foreign risk management experiences including advanced big data credit rating, multi-channel risk decentralization, big data risk control and management, and diversified institution. al cooperation. Combined with the reality of China's online lending industry credit, legal mechanism, risk control technology and supervision, this paper recommends that we should strengthen online loan big data risk control and promote the sustainable development of online loan industry through building credit rating system, improving poli. cies, improving the regulatory system, differentiating interest rates and establishing default compensation mecha. nisms, etc.

关 键 词：P2P网贷 大数据 风险控制 信用评级 大数据征信 信贷风险 信息披露 网贷监管 金融科技 互联网金融 

分 类 号：F832.0[经济管理—金融学]