本文關(guān)鍵詞：互聯(lián)網(wǎng)金融公司P2P模式商業(yè)計(jì)劃書　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

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【摘要】：2013年被稱為互聯(lián)網(wǎng)金融的元年。在這一年里,互聯(lián)網(wǎng)思維如同一場當(dāng)代的文藝復(fù)興,影響并改變著傳統(tǒng)的金融業(yè)態(tài)和格局。銀行、券商、基金、保險(xiǎn)等傳統(tǒng)金融業(yè)機(jī)構(gòu)開始積極謀變以鞏固既有優(yōu)勢地位。而阿里巴巴、騰訊、百度、新浪、京東、蘇寧等互聯(lián)網(wǎng)企業(yè)則開始在金融領(lǐng)域跑馬圈地并試圖構(gòu)建自己的業(yè)務(wù)模式。這些金融“新貴”成為了金融業(yè)的“攪局者”,打破了固有的金融格局。除此之外,伴隨著這波互聯(lián)網(wǎng)金融的浪潮,金融領(lǐng)域也出現(xiàn)了不少“新兵”。本商業(yè)計(jì)劃書便是以A公司為例,主要從事業(yè)務(wù)為互聯(lián)網(wǎng)金融一細(xì)分領(lǐng)域:網(wǎng)絡(luò)借貸業(yè)務(wù),及由此衍生出的新型網(wǎng)絡(luò)融資類業(yè)務(wù)。本計(jì)劃書針對A公司的策劃、產(chǎn)品、銷售、財(cái)務(wù)等多方面作出了細(xì)致規(guī)劃,也通過邁克爾波特的五力競爭模型和SWOT模型對A公司的競爭環(huán)境作了詳細(xì)分析,為項(xiàng)目的成功運(yùn)作提供的可靠方案和堅(jiān)實(shí)的理論基礎(chǔ)。本計(jì)劃書面對對象為初始合伙人。因項(xiàng)目自身特點(diǎn),初始資金需求較少,但對專業(yè)知識要求較高,通過本文分析,向合伙人介紹A公司投資及參與價(jià)值。本計(jì)劃書最大的特點(diǎn)是:在一定程度上弱化了目前市場上較流行的個(gè)人對個(gè)人的融資模式,主要是由于在極端風(fēng)險(xiǎn)出現(xiàn)的情況下,個(gè)人財(cái)產(chǎn)較難處置,因而轉(zhuǎn)向安全級別較高,處置相對容易的傳統(tǒng)資產(chǎn)管理公司的產(chǎn)品。相比較而言,雖然資產(chǎn)管理公司產(chǎn)品整體打包費(fèi)用與個(gè)人借貸有明顯劣勢,但我們認(rèn)為互聯(lián)網(wǎng)金融真正核心的是風(fēng)險(xiǎn)控制,當(dāng)市場出現(xiàn)較大動(dòng)蕩時(shí),只有安全級別更高的公司才能生存的更長久。在上述論證和分析的基礎(chǔ)上,本計(jì)劃書最后對A公司可行性進(jìn)行總結(jié),認(rèn)為A公司具有投資創(chuàng)建價(jià)值。
[Abstract]:2013 is called the first year of Internet finance. In this year, Internet thinking, like a contemporary Renaissance, has influenced and changed the traditional financial patterns and patterns. Banks, securities firms, funds. Traditional financial institutions, such as insurance, are actively seeking to consolidate their existing dominance. Alibaba, Tencent, Baidu, Sina, JingDong. Internet companies such as SUNING have started to run around the financial world and try to build their own business models. These financial "upstarts" have become "spoilers" of the financial sector, breaking the inherent financial landscape. Along with this wave of Internet finance, the financial field has also appeared a lot of "recruits". This business plan is to A company as an example, mainly engaged in the business of Internet finance a subdivision: network lending business. And the resulting new network financing business. This plan for A company planning, products, sales, financial and other aspects of the detailed planning. Through Michael Porter's five-force competition model and SWOT model, the competitive environment of A company is analyzed in detail. For the successful operation of the project to provide a reliable program and a solid theoretical basis. This plan is addressed to the initial partner. Due to the characteristics of the project, the initial funding requirements are relatively small, but the requirements for professional knowledge are high. Through the analysis of this paper, we introduce the investment and participation value of company A to the partners. The biggest characteristic of this plan is that it weakens to some extent the more popular individual to individual financing mode in the current market. This is mainly due to the fact that personal property is more difficult to dispose of in situations of extreme risk and thus to the products of traditional asset management companies with higher security levels and relatively easy disposal. Although the overall packaging costs of asset management companies and personal lending have obvious disadvantages, but we believe that the real core of Internet finance is risk control, when the market is more volatile. Only a company with a higher security level can survive longer. On the basis of the above argumentation and analysis, this plan concludes the feasibility of company A and concludes that company A has investment value.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F724.6;F832.4

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本文編號：1437354