本文選題：互聯(lián)網(wǎng)金融 + 河北省�。� 參考：《河北師范大學(xué)》2017年碩士論文

【摘要】：P2P網(wǎng)絡(luò)借貸是通過互聯(lián)網(wǎng)技術(shù),為資金短缺者和資金閑置者提供金融服務(wù)的信息中介平臺,自2007年在英國出現(xiàn)后,逐步進(jìn)入中國并迅速在金融市場占據(jù)一席之地。截止到2016年末,全國范圍內(nèi)已累計超過4686家P2P網(wǎng)絡(luò)借貸平臺,成交額達(dá)到1.7萬億元。然而,在P2P網(wǎng)絡(luò)借貸快速增長的背后,各種隱藏的風(fēng)險也逐漸暴露出來。為了規(guī)范P2P網(wǎng)絡(luò)借貸行業(yè)的發(fā)展,我國政府出臺了一系列關(guān)于互聯(lián)網(wǎng)金融的規(guī)范性文件,為其平穩(wěn)健康的運(yùn)行創(chuàng)造良好的條件,同時建立中國互聯(lián)網(wǎng)金融協(xié)會,進(jìn)一步推動P2P網(wǎng)絡(luò)借貸行業(yè)的規(guī)范性發(fā)展。河北省也積極響應(yīng)國家關(guān)于大力發(fā)展互聯(lián)網(wǎng)金融的號召,出臺一系列規(guī)范性文件,設(shè)立中國互聯(lián)網(wǎng)金融研究院河北分院,致力于促進(jìn)省內(nèi)P2P網(wǎng)絡(luò)借貸行業(yè)發(fā)展。本文回顧了河北省P2P網(wǎng)絡(luò)借貸的發(fā)展歷史,客觀描述了河北省P2P網(wǎng)絡(luò)借貸的發(fā)展成就,深入揭示了河北省P2P網(wǎng)絡(luò)借貸存在的問題。依據(jù)利益相關(guān)者理論,從河北省P2P網(wǎng)絡(luò)借貸內(nèi)外部利益相關(guān)者角度出發(fā),提出河北省P2P網(wǎng)絡(luò)借貸行業(yè)健康發(fā)展的對策建議。為河北省未來互聯(lián)網(wǎng)金融產(chǎn)業(yè)發(fā)展提供理論與實踐上的支持,對互聯(lián)網(wǎng)金融發(fā)展具有積極作用。本文的研究思路如下:第一部分:緒論。主要介紹研究背景和意義、研究內(nèi)容、方法及創(chuàng)新點,對國內(nèi)外關(guān)于P2P網(wǎng)絡(luò)借貸的相關(guān)文獻(xiàn)進(jìn)行了梳理。第二部分:河北省P2P網(wǎng)絡(luò)借貸的發(fā)展?fàn)顩r。主要回顧了河北省P2P網(wǎng)絡(luò)借貸的發(fā)展起步、快速發(fā)展、風(fēng)險頻發(fā)和理性發(fā)展四個階段的歷史,并從河北省P2P網(wǎng)絡(luò)借貸的發(fā)展規(guī)模、運(yùn)營模式和監(jiān)管情況三方面進(jìn)行客觀分析,詳細(xì)描述了河北省P2P網(wǎng)絡(luò)借貸的發(fā)展歷程和現(xiàn)狀。第三部分:河北省P2P網(wǎng)絡(luò)借貸存在的主要問題。借助利益相關(guān)者理論,從P2P網(wǎng)絡(luò)借貸平臺內(nèi)外部利益相關(guān)者角度出發(fā),深入剖析河北省P2P網(wǎng)絡(luò)借貸存在的風(fēng)險大、監(jiān)管缺失等方面的問題,為對策建議提供分析依據(jù)。第四部分:P2P網(wǎng)絡(luò)借貸平臺典型案例分析及啟示。通過對比分析成功案例陸金所和失敗案例e租寶的運(yùn)營模式和風(fēng)控模式,總結(jié)其成功經(jīng)驗和失敗教訓(xùn),為河北省P2P網(wǎng)絡(luò)借貸的平穩(wěn)健康發(fā)展提供參考意見。分析河北省典型P2P平臺——信投在線,將案例分析的經(jīng)驗啟示運(yùn)用到河北省P2P網(wǎng)絡(luò)借貸中,促進(jìn)河北省P2P網(wǎng)絡(luò)借貸行業(yè)的健康發(fā)展。第五部分:河北省P2P網(wǎng)絡(luò)借貸健康發(fā)展的對策建議。從內(nèi)外部利益相關(guān)者角度出發(fā),針對河北省P2P網(wǎng)絡(luò)借貸存在的主要問題,提出合理的建議措施,為河北省P2P網(wǎng)絡(luò)借貸未來健康發(fā)展提供參考思路。
[Abstract]:P2P network lending is an information intermediary platform that provides financial services to the underfunded and idle people through Internet technology. Since its emergence in Britain in 2007, P2P network lending has gradually entered China and quickly occupied a place in the financial market. By the end of 2016, there had been more than 4686 P2P online lending platforms nationwide, with a turnover of 1.7 trillion yuan. However, behind the rapid growth of P2P network lending, all kinds of hidden risks are gradually exposed. In order to standardize the development of P2P network lending industry, our government has issued a series of normative documents on Internet finance, which create good conditions for its smooth and healthy operation, and establish the China Internet Finance Association. Further promote the normative development of P2P network lending industry. Hebei Province also responded positively to the national call to vigorously develop Internet finance, issued a series of normative documents, set up the Hebei Branch of the China Internet Finance Research Institute, committed to promoting the development of P2P network lending industry in the province. This paper reviews the history of P2P network lending in Hebei Province, describes objectively the achievements of P2P network lending in Hebei Province, and reveals the problems of P2P network lending in Hebei Province. Based on the stakeholder theory and from the perspective of internal and external stakeholders of P2P network lending in Hebei Province, the paper puts forward the countermeasures and suggestions for the healthy development of P2P network lending industry in Hebei Province. It provides theoretical and practical support for the future development of Internet finance industry in Hebei Province and plays an active role in the development of Internet finance. The research ideas of this paper are as follows: the first part: introduction. This paper mainly introduces the research background and significance, research content, methods and innovation points, and combs the relevant literature on P2P network lending at home and abroad. The second part: the development of P2P network lending in Hebei Province. This paper reviews the history of the four stages of P2P network lending in Hebei Province, including its starting, rapid development, frequent risk occurrence and rational development, and makes an objective analysis from three aspects: the development scale, operation mode and supervision of P2P network lending in Hebei Province. This paper describes the history and current situation of P2P network lending in Hebei Province. The third part: the main problems of P2P network lending in Hebei province. With the help of stakeholder theory, from the perspective of internal and external stakeholders of P2P network lending platform, this paper deeply analyzes the problems in Hebei Province, such as the risk of P2P network lending, the lack of supervision and so on, and provides the analysis basis for the countermeasures and suggestions. The fourth part is the typical case analysis and enlightenment of P2P network lending platform. By comparing and analyzing the operation mode and wind control mode of successful case lufax and failed case e Zubo, the paper summarizes its successful experience and failure lessons, and provides reference for the steady and healthy development of P2P network loan in Hebei Province. This paper analyzes the typical P2P platform of Hebei Province, Xintuo online, and applies the experience and enlightenment of case analysis to the P2P network lending in Hebei Province, and promotes the healthy development of the P2P network lending industry in Hebei Province. Part five: countermeasures and suggestions for the healthy development of P2P network lending in Hebei Province. From the angle of internal and external stakeholders and aiming at the main problems existing in P2P network lending in Hebei Province, this paper puts forward some reasonable suggestions to provide a reference for the healthy development of P2P network lending in Hebei Province in the future.
【學(xué)位授予單位】：河北師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F832.4

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本文編號：1915662