本文選題：傳統(tǒng)金融 + 互聯(lián)網(wǎng)金融��； 參考：《中國(guó)社會(huì)科學(xué)院研究生院》2014年碩士論文

【摘要】：自上世紀(jì)九十年代以來(lái)，伴隨著互聯(lián)網(wǎng)技術(shù)和互聯(lián)網(wǎng)企業(yè)的不斷創(chuàng)新和快速發(fā)展，作為一種新興的技術(shù)和新型的商業(yè)模式，它們同樣經(jīng)歷了被人認(rèn)識(shí)、理解、接受，進(jìn)而寄予厚望的過(guò)程。正因?yàn)榛ヂ?lián)網(wǎng)企業(yè)不斷的創(chuàng)新，以前所未有的速度締造著一個(gè)個(gè)商業(yè)神話，不斷刺激著人們的認(rèn)知神經(jīng)，以至于在普通人的眼里“互聯(lián)網(wǎng)企業(yè)就是革新的代名詞，它可以化腐朽為神奇，改造一切陳舊落后了的傳統(tǒng)業(yè)態(tài)，為人們的生活帶來(lái)翻天覆地的變化”。 2013年是躁動(dòng)的互聯(lián)網(wǎng)金融元年，眾多帶著互聯(lián)網(wǎng)特質(zhì)的企業(yè)涉足金融領(lǐng)域，，開(kāi)創(chuàng)了國(guó)內(nèi)一個(gè)“泛金融”時(shí)代的到來(lái)。目前，創(chuàng)新正在以前所未有的速度快速發(fā)展著，變革每天就發(fā)生在我們身邊。 那么，什么是互聯(lián)網(wǎng)金融，互聯(lián)網(wǎng)金融是否真的能夠?qū)鹘y(tǒng)金融業(yè)造成根本性的挑戰(zhàn)，哪種互聯(lián)網(wǎng)金融模式最有可能成功的？ 筆者通過(guò)綜合當(dāng)前各方對(duì)互聯(lián)網(wǎng)金融的看法，從核心客戶群區(qū)分，重新界定了互聯(lián)網(wǎng)的定義和范圍。并運(yùn)用“長(zhǎng)尾理論”、“破壞性創(chuàng)新理論”和“金融脫媒理論”分析得出“互聯(lián)網(wǎng)金融可以顛覆傳統(tǒng)金融業(yè)”存在著理論依據(jù)；通過(guò)實(shí)際調(diào)查分析互聯(lián)網(wǎng)金融比較有代表性的三種模式——P2P借貸、眾籌融資和余額寶理財(cái)，看清了這三種模式發(fā)展目前遇到的困難和未來(lái)的發(fā)展。
[Abstract]:Since the 1990s, with the continuous innovation and rapid development of Internet technology and Internet enterprises, as a new technology and a new business model, they have also experienced recognition, understanding, acceptance. The process in which high hopes are placed. It is precisely because of the constant innovation of Internet enterprises, creating a commercial myth at an unprecedented speed, and constantly stimulating people's cognitive nerves, that in the eyes of ordinary people, "Internet enterprises are synonymous with innovation," It can turn decay into magic, transform all old and backward traditional practices, and bring about a tremendous change in people's lives. "2013 is the first year of Internet finance," he said. A large number of enterprises with the characteristics of the Internet involved in the financial field, creating a "pan-finance" era. At present, innovation is developing at an unprecedented speed, and change happens every day around us. So what is Internet finance, can Internet finance really pose a fundamental challenge to the traditional financial industry, and what kind of Internet financial model is most likely to succeed? The author redefines the definition and scope of Internet by synthesizing current views on Internet finance and differentiating from core customer base. By using "long-tail theory", "destructive innovation theory" and "financial disintermediation theory", it is concluded that there is a theoretical basis for "Internet finance can subvert the traditional financial industry". Through the actual investigation and analysis of the three representative models of Internet finance, P2P lending, crowdfunding and Yu'e Bao financing, the difficulties encountered in the development of these three models and the future development are clearly seen.
【學(xué)位授予單位】：中國(guó)社會(huì)科學(xué)院研究生院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F724.6;F832;F830.42

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本文編號(hào)：2027980