本文選題：風險投資 + 互聯(lián)網(wǎng)金融　； 參考：《對外經(jīng)濟貿(mào)易大學》2015年碩士論文

【摘要】：互聯(lián)網(wǎng)金融行業(yè)從出現(xiàn)到發(fā)展,只有短短數(shù)年,雖然目前看起來其對社會經(jīng)濟已經(jīng)形成巨大影響力,但行業(yè)還遠未達到成熟的階段。在這數(shù)年之中,各路金融資本,特別是風險投資(VC Venture Capital)對于互聯(lián)網(wǎng)金融的早期孵化和成長期的進一步推進,對互聯(lián)網(wǎng)金融各種模式的分階段布局,都在潛移默化的助力互聯(lián)網(wǎng)金融的升級和發(fā)展。因此,本文首先對互聯(lián)網(wǎng)金融的本質(zhì)特征和具體形態(tài)做了細致的研究分類�；ヂ�(lián)網(wǎng)金融并未改變金融的信用中介的本質(zhì),但改變了信用賴以生存的環(huán)境,將互聯(lián)網(wǎng)"開誠布公、權(quán)益平等、互相協(xié)作、重在分享"的精神融入到既有金融業(yè)態(tài)。而從具體形態(tài)上,互聯(lián)網(wǎng)金融又可以分為個人理財類、金融門戶類、投融資類、支付結(jié)算類、傳統(tǒng)業(yè)務類和系統(tǒng)支撐等六大類。六大類又可細分為18個二級分類。而在時間軸上,首先,傳統(tǒng)金融公司在很早就嘗試互聯(lián)網(wǎng)方向轉(zhuǎn)型。其次,互聯(lián)網(wǎng)公司先后分階段布局了支付類、個人理財、P2P和眾籌,以及近半年非常熱火的消費金融和企業(yè)金融服務。此外,上市公司也結(jié)合自身業(yè)務特點,選擇性的在小額貸款領(lǐng)域進行互聯(lián)網(wǎng)金融業(yè)務突圍,也已經(jīng)取得一定的進展。整體來看,對于互聯(lián)網(wǎng)金融來說,風險投資的孵化作用更明顯,布局更有前瞻性,覆蓋范圍更廣,對產(chǎn)業(yè)的改造和升級影響更加深遠。目前全球范圍來看,已經(jīng)出現(xiàn)幾家,發(fā)展到一定規(guī)模,市值超過數(shù)十億美元的互聯(lián)網(wǎng)金融公司,這些公司身后都有風險投資的資助。而未來必將出現(xiàn)體量更大,數(shù)量更多的互聯(lián)網(wǎng)金融上市公司。風險投資的積極作用,對互聯(lián)網(wǎng)金融,對社會經(jīng)濟產(chǎn)業(yè)升級的影響,深遠而持續(xù)。
[Abstract]:The Internet financial industry has been developing for only a few years, although it seems to have a great influence on the social economy, but the industry is far from mature. In the past few years, various kinds of financial capital, especially VC Venture Capital, have further promoted the early incubation and growth of Internet finance, and the phased layout of various models of Internet finance. In the subtle help of Internet finance upgrade and development. Therefore, this paper firstly makes a detailed study on the essential characteristics and specific forms of Internet finance. Internet finance has not changed the nature of credit intermediary of finance, but has changed the environment in which credit depends on existence. The spirit of Internet "openness, equality of rights and interests, mutual cooperation and sharing" has been integrated into the existing financial industry. From the specific form, Internet finance can be divided into six categories: personal finance, financial portal, investment and financing, payment and settlement, traditional business and system support. Six major categories can be subdivided into 18 secondary classifications. And on the timeline, first, the traditional financial companies in the early attempt to change the direction of the Internet. Secondly, Internet companies have phased out the payment category, personal finance P2P and crowdfunding, as well as hot consumer finance and corporate financial services in the last six months. In addition, the listed companies have also made some progress in the field of micro-credit by selectively breaking out of the Internet financial business in the light of their own business characteristics. On the whole, for Internet finance, the incubating effect of venture capital is more obvious, the layout is more forward-looking, the scope of coverage is wider, and the impact on the transformation and upgrading of industry is more far-reaching. Globally, there have been a few, growing to a certain scale, market value more than billions of dollars of Internet financial companies, these companies behind venture capital funding. In the future, there will be a larger number of Internet financial listed companies. The positive effect of venture capital on internet finance and the upgrading of social economy industry is far-reaching and sustainable.
【學位授予單位】：對外經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F724.6;F832.4

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