CN105787799A - 一种p2p网络融资风险评估方法 - Google Patents

一种p2p网络融资风险评估方法 Download PDF

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CN105787799A
CN105787799A CN201410826576.3A CN201410826576A CN105787799A CN 105787799 A CN105787799 A CN 105787799A CN 201410826576 A CN201410826576 A CN 201410826576A CN 105787799 A CN105787799 A CN 105787799A
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assessment
risk
financing
expert
analysis
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惠轶
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Beijing Huaguo Information Technology Co Ltd
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Beijing Huaguo Information Technology Co Ltd
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Abstract

本发明公开了一种P2P网络融资风险评估方法，其特征是，包括如下步骤：(1)确定评估范围：调查并了解融资风险评估对象，确定评估范围的边界，采用风险评估系统分析申请融资用户的信息，并产生初步分析结果；(2)网上专家评审：根据初步分析结果，将信息分配于专家评估系统，进入专家评审，由专业人士组成专家组就融资风险发表意见，通过结论统计和整理，集中群体智慧和专业经验，形成专家分析结果。(3)风险评估结果分析：根据上述各阶段实施所得到的评估结果，对评估节点的安全现状进行综合的风险评估，撰写风险评估报告，呈现风险现状。

Description

一种P2P网络融资风险评估方法
技术领域
本发明涉及互联网金融领域，特别涉及一种P2P网络融资风险评估的方法。
背景技术
随着互联网金融的发展，P2P网络融资规模的增长，P2P互联网金融机构数量的增多，P2P网络融资方法也越来越多的被运用。但是目前众多P2P融资平台对于融资信息中的关键内容如项目风险和个体诚信，都没有进行评估计算和量化处理。由于诚信风险空白，投融资方无法通过这样的平台在最短的时间内实现融资交易。一般来说P2P融资信息平台如果存在以上问题，是无法有效开展业务的，本发明正式为了解决上述问题，提出了一种P2P网络融资风险评估方法。
发明内容
本发明所提供了一种P2P网络融资风险评估方法，包括如下步骤：
(1)确定评估范围：调查并了解融资风险评估对象，确定评估范围的边界，采用风险评估系统分析申请融资用户的信息，并产生初步分析结果；
(2)网上专家评审：根据初步分析结果，将信息分配于专家评估系统，进入专家评审，由专业人士组成专家组就融资风险发表意见，通过结论统计和整理，集中群体智慧和专业经验，形成专家分析结果。
(3)风险评估结果分析：根据上述各阶段实施所得到的评估结果，对评估节点的安全现状进行综合的风险评估，撰写风险评估报告，呈现风险现状。
优选地，所述的专家评审包括融资方资产负债分析、融资能力评估、融资方案及风险控制分析和融资资金用途及效益分析。
本发明的有益效果在于：通过P2P融资风险评估方法，集中记录各融资方的信用评估信息，供各投资机构共享，能够使投资机构获得融资方的有效信用信息的成本降低，增加了投资方为融资方提供借贷或股权投资的意愿和效益。
具体实施方式
一种P2P网络融资风险评估方法，包括如下步骤：
(1)确定评估范围：调查并了解融资风险评估对象，确定评估范围的边界，采用风险评估系统分析申请融资用户的信息，并产生初步分析结果；
(2)网上专家评审：根据初步分析结果，将信息分配于专家评估系统，进入专家评审，由专业人士组成专家组就融资风险发表意见，通过结论统计和整理，集中群体智慧和专业经验，形成专家分析结果。
(3)风险评估结果分析：根据上述各阶段实施所得到的评估结果，对评估节点的安全现状进行综合的风险评估，撰写风险评估报告，呈现风险现状。
专家评审包括融资方资产负债分析、融资能力评估、融资方案及风险控制分析和融资资金用途及效益分析。

Claims (2)

1.一种P2P网络融资风险评估方法，其特征是，包括如下步骤：
(1)确定评估范围：调查并了解融资风险评估对象，确定评估范围的边界，采用风险评估系统分析申请融资用户的信息，并产生初步分析结果；
(2)网上专家评审：根据初步分析结果，将信息分配于专家评估系统，进入专家评审，由专业人士组成专家组就融资风险发表意见，通过结论统计和整理，集中群体智慧和专业经验，形成专家分析结果。
(3)风险评估结果分析：根据上述各阶段实施所得到的评估结果，对评估节点的安全现状进行综合的风险评估，撰写风险评估报告，呈现风险现状。
2.根据权利要求1所述的P2P网络融资风险评估方法，其特征在于：所述的专家评审包括融资方资产负债分析、融资能力评估、融资方案及风险控制分析和融资资金用途及效益分析。
CN201410826576.3A 2014-12-25 2014-12-25 一种p2p网络融资风险评估方法 Pending CN105787799A (zh)

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GB201423281A GB201423281D0 (en) 2014-12-25 2014-12-29 The method for P2P network of financing risk assessment

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109615509A (zh) * 2018-11-28 2019-04-12 深圳微众税银信息服务有限公司 一种资金风险评估方法及系统

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109615509A (zh) * 2018-11-28 2019-04-12 深圳微众税银信息服务有限公司 一种资金风险评估方法及系统

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Application publication date: 20160720