本文選題：互聯(lián)網(wǎng)金融 + P2P��； 參考：《煙臺(tái)大學(xué)》2017年碩士論文

【摘要】：P2P也稱基于網(wǎng)絡(luò)的人人貸,是Peer-to-Peerlending的簡(jiǎn)稱,其雛形被認(rèn)為是1983年尤努斯創(chuàng)辦的意在為貧苦人提供小額資金的格萊珉信貸模式,而2005年英國(guó)的Zopa則被公認(rèn)為正規(guī)P2P信貸模式第一家。該種金融模式通過(guò)互聯(lián)網(wǎng)平臺(tái)中介,將資金需求者與資金供給者直接進(jìn)行匹配。它主要定位于小微金融市場(chǎng),是對(duì)傳統(tǒng)金融機(jī)構(gòu)市場(chǎng)的有效補(bǔ)充。P2P作為一種金融創(chuàng)新,其主要依托技術(shù)、市場(chǎng)、制度條件,其創(chuàng)新路徑主要表現(xiàn)為融資主體創(chuàng)新、商業(yè)模式創(chuàng)新、融資渠道創(chuàng)新、融資產(chǎn)產(chǎn)品創(chuàng)新、融資服務(wù)創(chuàng)新。對(duì)P2P信貸對(duì)經(jīng)濟(jì)發(fā)展作用的實(shí)證分析結(jié)果顯示P2P信貸成交量與經(jīng)濟(jì)發(fā)展之間是正相關(guān)關(guān)系,但是彈性系數(shù)為0.029。一方面說(shuō)明了P2P信貸對(duì)經(jīng)濟(jì)發(fā)展確實(shí)有正向促進(jìn)作用,另一方面也說(shuō)明P2P信貸對(duì)經(jīng)濟(jì)發(fā)展貢獻(xiàn)相對(duì)較弱,其還處在初級(jí)發(fā)展階段。為了進(jìn)一步研究P2P信貸發(fā)展情況,對(duì)P2P信貸運(yùn)營(yíng)模式、機(jī)構(gòu)平臺(tái)背景、問(wèn)題平臺(tái)成因進(jìn)行分析。在對(duì)P2P信貸發(fā)展正反兩方面進(jìn)行實(shí)證分析和案例分析后,提出我國(guó)P2P信貸發(fā)展的六大外部?jī)?nèi)部問(wèn)題:利率市場(chǎng)化下的逆向選擇,征信系統(tǒng)、監(jiān)管系統(tǒng)不完善,規(guī)模受限,未受完整行業(yè)周期檢驗(yàn),大數(shù)據(jù)有效性仍需驗(yàn)證,風(fēng)險(xiǎn)識(shí)別體系仍需完善。通過(guò)對(duì)國(guó)外P2P信貸成功案例分析,總結(jié)了國(guó)外四大成功經(jīng)驗(yàn):行業(yè)法律監(jiān)管較為完善,傳統(tǒng)的社區(qū)精神及信息公開(kāi),信用等級(jí)管理費(fèi)用分級(jí),銀行、第三方專業(yè)機(jī)構(gòu)合作。在借鑒國(guó)外成功經(jīng)驗(yàn)基礎(chǔ)上,結(jié)合我國(guó)國(guó)情提出我國(guó)P2P信貸進(jìn)一步發(fā)展的思路。
[Abstract]:Peer-to-Peerlending (Peer-to-Peerlending) is also called Peer-to-Peerlending (Peer-to-Peerlending), which is considered to be the Grameen credit model founded by Yunus in 1983 to provide small amount of money to the poor. In 2005, Zopa was recognized as the first formal P2P credit model in Britain. This kind of financial model, through the Internet platform intermediary, matches the capital demanders and the fund suppliers directly. It is an effective supplement to the traditional financial institution market. As a kind of financial innovation, it mainly relies on technology, market and system conditions. Business model innovation, financing channel innovation, financing product innovation, financing service innovation. The empirical analysis on the effect of P2P credit on economic development shows that there is a positive correlation between P2P credit turnover and economic development, but the elasticity coefficient is 0.029. On the one hand, it shows that P2P credit has a positive effect on economic development, on the other hand, it also shows that P2P credit has a relatively weak contribution to economic development, and it is still in the primary stage of development. In order to further study the development of P2P credit, this paper analyzes the P2P credit operation mode, institutional platform background and the causes of the problem platform. After empirical analysis and case analysis on the development of P2P credit, six external internal problems of P2P credit development in China are put forward: reverse selection under the interest rate marketization, credit information system, imperfect supervision system and limited scale. Without complete industry cycle test, big data validity still needs to be verified, and risk identification system still needs to be improved. By analyzing the successful cases of foreign P2P credit, this paper summarizes the four successful experiences of foreign countries: perfect legal supervision, traditional community spirit and information disclosure, credit grade management expense classification, bank and third party professional organization cooperation. Based on the successful experience of foreign countries, this paper puts forward the idea of further development of P2P credit in our country according to the situation of our country.
【學(xué)位授予單位】：煙臺(tái)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F724.6

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