本文選題：P2P網(wǎng)絡(luò)借貸 + 行業(yè)研究��； 參考：《西南財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：小額貸款的理念起源于20世紀(jì)70年代,是諾貝爾經(jīng)濟(jì)學(xué)家尤納斯教授在解決孟加拉國(guó)的貧困地區(qū)農(nóng)民的借款需求時(shí)發(fā)展出來的理念。隨后小額貸款被廣泛推廣,運(yùn)用到發(fā)展中國(guó)家的扶貧項(xiàng)目。21世紀(jì)以后,隨著互聯(lián)網(wǎng)技術(shù)的迅速發(fā)展,小額貸款的理念與互聯(lián)網(wǎng)技術(shù)開始融合,P2P貸款平臺(tái)也由此應(yīng)運(yùn)而生。P2P網(wǎng)絡(luò)貸款的本質(zhì)就是小額信貸的互聯(lián)網(wǎng)化。 2005年,全球第一家P2P貸款平臺(tái)Zopa在英國(guó)倫敦誕生。憑著P2P貸款行業(yè)的高效、便捷的特色,P2P網(wǎng)絡(luò)貸款迅速得到了社會(huì)的認(rèn)可,P2P貸款平臺(tái)也在其他國(guó)家迅速?gòu)?fù)制。2007年,國(guó)內(nèi)第一家P2P貸款平臺(tái)拍拍貸在上海成立。 雖然國(guó)內(nèi)的P2P貸款行業(yè)產(chǎn)生的時(shí)間并不短,但是P2P貸款行業(yè)早期的發(fā)展速度較為緩慢。直到2010年,國(guó)內(nèi)的P2P貸款行業(yè)才迅速發(fā)展起來。截至2013年底,P2P網(wǎng)絡(luò)貸款行業(yè)成交規(guī)模突破了1000億元。乍眼看來,P2P貸款行業(yè)已經(jīng)發(fā)展成一定規(guī)模,且還有繼續(xù)發(fā)展的可能性。但國(guó)內(nèi)P2P網(wǎng)絡(luò)貸款行業(yè)的發(fā)展速度,與余額寶不到一年既突破4000億元的發(fā)展速度相比,可謂是不值一提。按理說,從P2P貸款行業(yè)的供需市場(chǎng)來看,P2P貸款行業(yè)的發(fā)展速度應(yīng)該十分迅速。首先,P2P貸款行業(yè)的借款需求來自于市場(chǎng)上的小微企業(yè)、個(gè)體經(jīng)營(yíng)者以及個(gè)人消費(fèi)的借款,而這類市場(chǎng)主體受各種因素的影響,難以從商業(yè)銀行中獲取貸款,缺乏融資渠道；其次,P2P貸款行業(yè)的投資需求大部分來自于有閑置資金的投資者,相比與銀行較低的利率來說,具有更強(qiáng)的競(jìng)爭(zhēng)力。所以,P2P貸款行業(yè)的供需市場(chǎng)十分充足,不應(yīng)該發(fā)展如此緩慢。加之與我國(guó)小微企業(yè)的貸款存量相比,現(xiàn)有的P2P網(wǎng)絡(luò)貸款的市場(chǎng)規(guī)模還是顯得略小。 文章主要分為五個(gè)部分進(jìn)行闡述。第一部分,文章從P2P貸款的概念入手,闡述P2P貸款理念的起源,然后對(duì)國(guó)內(nèi)外P2P網(wǎng)絡(luò)貸款行業(yè)的發(fā)展歷程進(jìn)行描述,讓讀者初步了解P2P網(wǎng)絡(luò)貸款行業(yè)。第二部分,文章主要是對(duì)國(guó)內(nèi)P2P網(wǎng)絡(luò)貸款行業(yè)的現(xiàn)狀進(jìn)行分析,總結(jié)出國(guó)內(nèi)P2P網(wǎng)絡(luò)貸款行業(yè)具有前期發(fā)展緩慢,中期突然加速,轉(zhuǎn)而趨向平和；行業(yè)區(qū)域化發(fā)展；貸款產(chǎn)品期限短、利率高；競(jìng)爭(zhēng)激烈、行業(yè)集中高的特點(diǎn),以及描述目前行業(yè)所面臨的問題。第三部分,文章從兩個(gè)方面入手,一方面從宏觀環(huán)境方面進(jìn)行分析,探尋政治和法律環(huán)境、經(jīng)濟(jì)環(huán)境、社會(huì)文化環(huán)境、技術(shù)環(huán)境是怎樣影響國(guó)內(nèi)P2P網(wǎng)絡(luò)貸款行業(yè)的發(fā)展歷程；另一方面,從行業(yè)特征入手,尋找出行業(yè)特征是怎樣影響P2P網(wǎng)絡(luò)貸款行業(yè)的發(fā)展的。第四部分,文章主要以人人貸平臺(tái)為例進(jìn)行驗(yàn)證,首先對(duì)人人貸的發(fā)展?fàn)顩r進(jìn)行描述,然后來驗(yàn)證宏觀環(huán)境與行業(yè)特征是怎么影響人人貸的發(fā)展歷程的。第五部分,文章主要是針對(duì)目前國(guó)內(nèi)P2P網(wǎng)絡(luò)貸款行業(yè)所存在的問題,對(duì)于這些問題,筆者從宏觀環(huán)境以及行業(yè)特征兩方面出發(fā),做出國(guó)內(nèi)P2P網(wǎng)絡(luò)貸款行業(yè)未來發(fā)展趨勢(shì)的預(yù)測(cè)。 文章的主要貢獻(xiàn)在于P2P網(wǎng)絡(luò)貸款行業(yè)是一個(gè)新興的行業(yè),學(xué)術(shù)界對(duì)于P2P網(wǎng)絡(luò)貸款行業(yè)的研究大多集中在風(fēng)險(xiǎn)控制、法律監(jiān)管、借貸者信用等層面,對(duì)P2P網(wǎng)絡(luò)貸款行業(yè)發(fā)展軌跡研究幾乎沒有。筆者選擇這一新的研究點(diǎn),算是對(duì)P2P貸款研究的一個(gè)補(bǔ)充。從現(xiàn)實(shí)意義上看,小微企業(yè)的融資難的問題一直都是制約著小微企業(yè)發(fā)展,而小微企業(yè)再國(guó)民經(jīng)濟(jì)中占有很重要的地位,P2P網(wǎng)絡(luò)貸款行業(yè)算是傳統(tǒng)金融的一個(gè)有效補(bǔ)充。對(duì)P2P網(wǎng)絡(luò)貸款行業(yè)進(jìn)行研究,找出制約行業(yè)發(fā)展的不利因素,提出有效的解決方法,既有利于小微企業(yè)的發(fā)展,有豐富了投資者的投資渠道,促進(jìn)國(guó)內(nèi)金融市場(chǎng)的發(fā)展。
[Abstract]:The concept of microfinance originated in 1970s, which was developed by Professor Jonas, an economist of Nobel, in solving the needs of the farmers in the poor areas of Bangladesh. Then microloans were widely popularized and applied to the poverty alleviation projects in developing countries after the.21 century, with the rapid development of Internet technology. The concept of forehead loan has begun to merge with Internet technology, and the P2P loan platform has come into being. The essence of.P2P network loan is the Internet of microfinance.
In 2005, the world's first P2P loan platform, Zopa, was born in London. With the high efficiency and convenience of the P2P loan industry, the P2P network loan was quickly recognized by the society. The P2P loan platform was also rapidly replicating for.2007 in other countries, and the first domestic P2P loan platform was set up in Shanghai.
Although the time produced by the domestic P2P loan industry is not short, the early development speed of the P2P loan industry is slow. Until 2010, the domestic P2P loan industry developed rapidly. By the end of 2013, the transaction scale of the P2P network loan industry broke through 100 billion yuan. At first glance, the P2P loan industry has developed into a certain scale, and There is also the possibility of continuing development. However, the development speed of the domestic P2P network loan industry is not worth mentioning in comparison with the development speed of 400 billion yuan in less than a year. Reasonably, from the supply and demand market of the P2P loan industry, the development speed of the P2P loan industry should be very rapid. First, the loan needs of the P2P loan industry need to be borrowed. For the small micro enterprises, individual operators and personal consumption loans from the market, this kind of market subject is difficult to obtain loans from commercial banks and lack of financing channels. Secondly, the investment demand of P2P loan industry comes mostly from investors who have idle funds and lower interest rates than banks. For example, it is more competitive. Therefore, the supply and demand market of the P2P loan industry is very sufficient and should not be developed so slowly. In addition, compared with the loan stock of small and micro enterprises in China, the market size of existing P2P network loans is slightly smaller.
The article is divided into five parts. The first part, starting with the concept of P2P loan, expounds the origin of the P2P loan concept, and then describes the development course of the P2P network loan industry at home and abroad, and let the readers understand the P2P network loan industry initially. The article is mainly about the status of the domestic P2P network loan industry. The analysis is carried out to conclude that the domestic P2P network loan industry has a slow development, a sudden acceleration in the medium term, a turn to the flat, the regional development of the industry, the short term of the loan product, the high interest rate, the fierce competition, the high concentration of the industry, and the description of the problems facing the current industry. The third part, the article starts with two aspects. In the aspect of the macro environment, we can find out how the political and legal environment, the economic environment, the social culture environment and the technical environment affect the development of the domestic P2P network loan industry. On the other hand, starting with the characteristics of the industry, how to find out how the industry characteristics affect the development of the P2P network loan industry. The fourth part, the main part of the article. We should take the platform of everyone's loan as an example to verify, first of all, to describe the development of everyone's loan, and then to verify how the macro environment and industry characteristics affect the development process of everyone's loan. The fifth part is mainly aimed at the problems existing in the domestic P2P network loan industry, and the author from the macro environment. And two aspects of industry characteristics, to make the prediction of the future development trend of domestic P2P network loan industry.
The main contribution of this article is that the P2P network loan industry is a new industry. The research on the P2P network loan industry is mostly focused on the risk control, legal supervision, and the credit of the borrower, and there is little research on the development trajectory of the P2P network loan industry. The author chooses this new research point as the research on the P2P loan. In a realistic sense, the difficulty of financing for small and micro enterprises has always restricted the development of small and micro enterprises, and the small and micro enterprises occupy a very important position in the national economy. The P2P network loan industry is an effective supplement to the traditional finance. Research on the P2P network loan industry to find out the restriction of the development of the industry The effective factors are not only conducive to the development of small and micro enterprises, but also enrich the investment channels of investors and promote the development of domestic financial market.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F724.6;F832.4

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本文編號(hào)：1946539