⊙记者 李丹丹 ○编辑 枫林

⊙ reporter li dandan ○ editing bush

　　近年来，网络众筹模式的信贷平台发展迅速，一边不断有新的资金、新的公司进入这个新兴的行业，另一边又不断有旧公司甚至是新成立不久的公司关门大吉。姑且不论这个行业的运作缺乏法律依据、经营主体资格存在缺陷等政策性风险，随着这个行业的发展以及交易规模的扩大，单单是薄弱的风险管理就已经成为行业发展的瓶颈。

In recent years,Network the raise pattern credit platform developed rapidly,One side of our new capital/The new company to enter the emerging industry,The other side and then continuously something old company even the newly formed company closed soon.Apart from the operation of this industry lack of legal basis/Business subject qualification, such as defective policy risk,With the development of the industry and trade of the enlargement of scale,Only weak risk management has become the bottleneck of the development of the industry.

　　如何让风险管理规范化运作，或许是想要在这个行业长久立足的公司首先要考虑的问题。

How to make risk management standardization work,Perhaps want in this industry long foothold company must first consider the question.

　　网络借贷受宏观经济影响大 Network by borrowing the macroeconomic impact

　　网络信贷平台曾经被认为处于“跑马圈地”的时代，谁先推出平台开展业务，谁就占得先机。但是近两年数家网络借贷公司倒闭给其他跃跃欲试的参与者敲响一记警钟，谁占得先机，却不一定能撑到最后。在这个过程中，风险管理能力是决定网络信贷公司生命周期的重要因素。

Network credit platform was thought to be in"Horse race turf"times,Who first introduced business platform,Who is to get ahead.But nearly two years several network lending company failed to other participants revved up on a record alarm,Who to get ahead,But can not stay to the end.In this process,Risk management ability is decided to network finance company life cycle of the important factors.

　　有利网的调查数据显示，2012年中国约有150家在线众筹金融公司，年交易额约为50亿元人民币。在这个行业里，人人贷是一家标志性的公司，该公司2012年网络交易额年同比爆发式增长803%，交易金额达3.54亿元。

Advantage of the network survey data show,In 2012, China about 150 online the raise finance company,The annual turnover of about 5 billion yuan RMB.In this industry,All credit is a hallmark of the company,The company in 2012 year-on-year growth in trading network projectile 803%,Transaction value of RMB 354 million.

　　但是，由于2012年下半年国内经济形势持续低迷，人人贷第四季度坏账率有所上升，风险准备金有一定程度的下降。截至2012年年末，人人贷平台风险保障金总量为309.74万元，而去年三季度该公司风险准备金为342.42万元。

but,Due to the second half of 2012 domestic economic situation sustained downturn,Everyone in the fourth quarter rate of bad loans increased,Risk reserve a certain degree of decline.By the end of 2012 the end of the year,Everyone credit platform risk security payments total is 3.0974 million yuan,And the third quarter of last year the company risk reserve for 3.4242 million yuan.

　　虽然凭借风险控制并集中追回部分坏账，人人贷所受的影响并不大，但是从上面的数据还是可以看出，宏观经济的波动对此类网络借贷平台的冲击很大。

Although with risk control and centralized recover part of the bad debt,All the effects of credit is not big,But from the above data or can see,Macroeconomic fluctuation on the platform of this kind of network lending a great impact.

　　风险控制能力打折扣 Risk control ability at a discount

　　记者初步统计，现在业内的在线众筹公司，普遍通过两方面来进行风险管理，一个是借款人身份的认证，另一个是强制性的风险准备金账户。乍一看这种制度设计很保险，但是由于执行过程中的种种问题，其对风险的控制能力也打了折扣。

Reporter preliminary statistics,Now the online the raise company,Common through two aspects to risk management,One is the borrower of the identity authentication,The other is a mandatory risk reserve account.At first glance the system design is insurance,But because in the process of implementation problems,The risk control ability also play the discount.

　　人民银行乌鲁木齐中心支行日前接受媒体采访时指出，目前网络借贷平台身份认证措施并不严格。对于客户提供的职业、工作单位等信息，借贷网站无法具体核实，而上传的电子版身份证件也极易伪造，其真实性更是难以保证。

The people's bank urumqi center branch has accepted the media interview pointed out,At present the network lending platform identity authentication measures is not strict.For customers to provide professional/Work unit and so on information,Lending website can't specific to verify,And upload electronic identity document also easily forged,It is difficult to guarantee the authenticity.

　　另一方面就是风险保证金或者风险准备金账户。刘雁南是一家即将上线的网络借贷公司——有利网的总裁，他告诉记者，依照与有利网借款人的协议，在每笔借款发生时，根据借款人的信用等级计提风险保证金，平均约为3%。一旦投资人的资金出现逾期风险，风险保证金将在第一时间偿付投资人的本金。目前风险保证金账户的托管行是徽商银行。

On the other hand is risk margin or risk reserve account.LiuYanNa is a the on-line network lending company, advantage and the President,He told reporters,In accordance with the agreement with favorable network,In each loan occurs,According to the borrower's credit rating withdrawal risk margin,An average of almost 3%.Once the investor funds appear overdue risk,Risk margin will be the first time pay investor principal.At present risk margin account is hosting line of huizhou merchants bank.

　　而界定风险保证金的计提比重时，需要依据借款人的信用等级。一位央行人士向记者直言，虽然一些网络借贷公司引入了客户信用等级制度，但在信用等级的认定管理上十分混乱。

And the definition of risk deposit when the proportion of provision,According to the borrower's credit rating.A central bankers to reporters the truth,Although some network lending company introduces the customer credit rating system,But in the credit rating that management is very chaotic.

　　人民银行乌鲁木齐中心支行建议，要引导网络借贷公司完善风险管理机制，首先，网络借贷公司在无法核实客户上传的电子版身份证信息是否真实的情况下，可采用联网核查等措施进行身份认证，在必要情况下可根据客户所填信息进行实地回访查看，以确保客户身份信息真实可靠。其次，建立客户风险等级划分制度。按年对客户风险等级进行评定审核，对风险等级较高的客户交易进行重点监控。

The people's bank urumqi central subbranch Suggestions,To guide the network lending company perfect risk management mechanism,First of all,Network lending company in cannot verify customer upload electronic id information is the real situation,Can use online check measures such as identity authentication,In case of necessity but according to customers fill in information field pays a return visit to check,To ensure that customer identity information are true and correct.secondly,Establish customer risk hierarchy system.According to the years to customers to assess audit risk grade,To the risk level higher customer transactions key monitoring.