众筹融资信用风险分析及管理体系构建.doc

文档介绍：众筹融资信用风险分析及管理体系构建
陈秀梅程晗
北京交通大学中国产业安全研究中心博士后科研工作站中国人民大学财政金融学院
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摘    要:
众筹融资作为互联网金融市场的一种新业务,随着市场规模扩大、参与主体增加,信用风险凸显。由于众筹融资市场开放程度高、风险危害性大,急需建立与其对应的信用风险管理体系。笔者基于融资项目和众筹平台两个角度对众筹融资信用风险进行分析,提出从完善众筹融资的政策环境、经营环境和平台环境三个方面建立信用风险管理体系,以保障众筹融资业务健康发展。
关键词:
互联网金融; 众筹融资; 信用风险;
作者简介:陈秀梅(1979-),女,辽宁锦州人,博士研究生,主要从事商业银行贷款与信用风险评价方面的研究。E-mail:cxm_ch_2008@
作者简介:程晗(1979-),男,吉林长春人,硕士,主要从事金融与投资研究。E-mail:chenghan5000@
Crowd Funding Credit Risk Analyzing and Management System Establishing
CHEN Xiu-mei CHENG Han
Postdoctoral Programme of China Industrial Economic Security Research Center,Beijing Jiaotong University; The School of Finance,Renmin University of China;
Abstract:
Crowd funding is a new business in the financial market. With the scale of financial market expanding and the number of participators increasing, to research the credit risks of crowd funding es more and more important. Because of its highly opening to public,the credit risks of crowd funding can cause more problems and bring more financial dangers to us. We should establish a management system to prevent the credit risk of crowd funding. Based on the analysis of the credit risks of finance projects and crowd funding's carriers,we suggest that we can keep crowd funding healthy developed by improving the policy、management and carriers of crowd