本文選題：在線融資 + 商業(yè)銀行��； 參考：《天津大學(xué)》2015年碩士論文

【摘要】：隨著全世界范圍內(nèi)互聯(lián)網(wǎng)金融的高速發(fā)展,第三方支付和網(wǎng)絡(luò)融資業(yè)務(wù)先后應(yīng)運而生,為人們帶來了便捷快速的支付方式,也使融資方案更加豐富和高效,給人們的日常生活和事業(yè)發(fā)展提供了便利、帶來了活力,同時也推動了整體金融業(yè)乃至全球經(jīng)濟的發(fā)展。在我國,中小微型企業(yè)融資難一直是困擾經(jīng)濟健康和諧發(fā)展的一道難題,民間金融的多元化在一定程度上緩解了中小企業(yè)融資的需求,但是私人借貸、民間集資、小額貸款公司等融資形式的“影子銀行”缺乏監(jiān)管、信用風(fēng)險極大,致使資金流向不能得到保證,且多出現(xiàn)借貸危機乃至崩盤等惡性事件,對我國經(jīng)濟有序發(fā)展造成不良影響。因此,發(fā)展在線融資業(yè)務(wù)成為一種新的選擇,近年來我國的在線融資業(yè)務(wù)發(fā)展迅猛,例如電子商務(wù)發(fā)展而來的阿里小貸、致力于一站式中介服務(wù)的拍拍貸等,解決了部分中小微型企業(yè)融資難的問題,但是有些在線融資平臺因缺乏有效合理的監(jiān)管等問題最終走向了關(guān)閉的結(jié)局。在這種背景下我國商業(yè)銀行發(fā)展在線融資業(yè)務(wù)可以減少缺乏監(jiān)管的弊端,充分發(fā)揮其貸款規(guī)模大、融資成本低等優(yōu)勢,為我國中小微型企業(yè)融資和發(fā)展帶來幫助,同時調(diào)整銀行自身戰(zhàn)略決策、形成新的盈利增長點。本文將通過介紹國內(nèi)外商業(yè)銀行在線融資業(yè)務(wù)發(fā)展的情況,分析我國商業(yè)銀行發(fā)展在線融資業(yè)務(wù)的必然性、可行性和限制因素,分析發(fā)展在線融資業(yè)務(wù)對商業(yè)銀行產(chǎn)生的影響,分類型提出適合商業(yè)銀行發(fā)展此類業(yè)務(wù)的流程模式,最后分析商業(yè)銀行將面臨的風(fēng)險,并通過博弈論模型對在線融資業(yè)務(wù)的風(fēng)險防控進行了分析討論。
[Abstract]:With the rapid development of Internet finance all over the world, third-party payment and network financing have emerged as the times require, which brings people a convenient and fast payment method, and also makes the financing scheme richer and more efficient. It not only provides convenience and vitality for people's daily life and career development, but also promotes the development of the whole financial industry and even the global economy. In China, the difficulty of financing small and medium-sized microenterprises has always been a difficult problem for the healthy and harmonious development of the economy. To some extent, the diversification of private finance has alleviated the demand for financing of small and medium-sized enterprises, but private loans and private fund-raising, The lack of supervision and credit risk of "shadow bank" in the form of financing such as micro-loan company can not guarantee the flow of funds, and there are many vicious events such as loan crisis or even collapse, which has a bad effect on the orderly development of our economy. Therefore, the development of online financing business has become a new choice. In recent years, China's online financing business has developed rapidly, such as Ali small loan, dedicated to one-stop intermediary services, PPDAI, etc. It solves the problem of financing of some small and medium enterprises, but some online financing platforms are finally closed due to the lack of effective and reasonable supervision. In this context, the development of online financing business of commercial banks in our country can reduce the disadvantages of lack of supervision, give full play to the advantages of large loan scale and low financing cost, and help the financing and development of small and medium-sized enterprises in China. At the same time, adjust the bank's own strategic decision to form a new profit growth point. This paper will introduce the development of online financing business of commercial banks at home and abroad, analyze the inevitability, feasibility and limiting factors of the development of online financing business of commercial banks in China, and analyze the influence of the development of online financing business on commercial banks. This paper puts forward a process model suitable for commercial banks to develop this kind of business, and finally analyzes the risks that commercial banks will face, and analyzes and discusses the risk prevention and control of online financing business through the game theory model.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.2

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