本文選題：P2P借貸 + 拓展業(yè)務(wù)��； 參考：《內(nèi)蒙古大學(xué)》2017年碩士論文

【摘要】：P2P網(wǎng)絡(luò)借貸,是一種獨(dú)立于正規(guī)金融機(jī)構(gòu)體系外的個(gè)體借貸行為。P2P網(wǎng)絡(luò)借貸近十年在世界范圍內(nèi)包都取得了令人矚目的發(fā)展,尤其是我國,隨著互聯(lián)網(wǎng)行業(yè)和金融模式的不斷創(chuàng)新,P2P也迎來了蓬勃發(fā)展的春天。然而高速發(fā)展的背后,由于利潤高、法規(guī)不健全等諸多因素,P2P借貸行業(yè)也存在著許多亟待解決的問題和困境。本報(bào)告調(diào)查研究了小馬金融平臺的基本情況、發(fā)展歷程、現(xiàn)階段運(yùn)營狀況以及信貸模式等,同時(shí)結(jié)合行業(yè)發(fā)展現(xiàn)狀,比較了小馬金融與三家國內(nèi)P2P網(wǎng)貸行業(yè)樣本平臺在經(jīng)營模式和經(jīng)營情況上的差異,發(fā)現(xiàn)小馬金融在運(yùn)營中存在的問題:作為一家P2P網(wǎng)絡(luò)借貸平臺,小馬金融與行業(yè)領(lǐng)先平臺相比,存在標(biāo)的類型單一,資金流動(dòng)性差,標(biāo)的還款方式單一,標(biāo)的收益率偏低等方面的問題。針對以上問題對平臺未來的發(fā)展提出了改進(jìn)建議:在原有業(yè)務(wù)基礎(chǔ)上,豐富標(biāo)的類型,如開發(fā)大學(xué)生分期貸款、住房貸款等;提高資金流動(dòng)性,嘗試債權(quán)轉(zhuǎn)讓;滿足不同用戶的需求,提供靈活的標(biāo)的還款方式;應(yīng)用最新互聯(lián)網(wǎng)技術(shù)提升用戶體驗(yàn)和風(fēng)控水平;同時(shí)需要根據(jù)最新監(jiān)管要求進(jìn)行平臺整改。
[Abstract]:P2P network lending is an individual lending behavior independent of the formal financial institution system. P2P network lending has made remarkable development worldwide in the past decade, especially in our country. With the Internet industry and financial model innovation, P2P also ushered in a vigorous spring. However, behind the rapid development, many factors, such as high profits, imperfect laws and other factors, P2P lending industry also has many problems and difficulties to be solved. This report investigates and studies the basic situation, the development history, the current operating situation and the credit model of the Pony Financial platform, as well as the current situation of the industry. This paper compares the differences between Pony Finance and three domestic P2P network loan industry sample platforms in operating mode and operating situation, and finds out the problems existing in the operation of Pony Finance: as a P2P network lending platform, Compared with the industry leading platform, there are some problems such as single target type, poor liquidity, single repayment mode, low return rate and so on. In view of the above problems, this paper puts forward some suggestions for improving the future development of the platform: on the basis of the original business, enriching the underlying types, such as developing college students' installment loans, housing loans and so on, improving the liquidity of the funds and trying to transfer the creditor's rights; To meet the needs of different users, provide flexible repayment methods; use the latest Internet technology to improve the user experience and wind control level; at the same time, need to adjust the platform according to the latest regulatory requirements.
【學(xué)位授予單位】：內(nèi)蒙古大學(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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