商業(yè)銀行參與P2P業(yè)務的方式及路徑研究
發(fā)布時間：2018-07-31 10:59
【摘要】：2015年7月,國務院出臺《關于積極推進“互聯(lián)網(wǎng)+”行動的指導意見》,鼓勵各行各業(yè)積極發(fā)展“互聯(lián)網(wǎng)+”戰(zhàn)略,助推中國經(jīng)濟轉型升級。近年來,“互聯(lián)網(wǎng)+傳統(tǒng)行業(yè)”發(fā)展的如火如荼,其中,互聯(lián)網(wǎng)金融尤為突出。隨著傳統(tǒng)金融機構互聯(lián)網(wǎng)化戰(zhàn)略步伐的加快,手機銀行、網(wǎng)絡銀行、互聯(lián)網(wǎng)理財、P2P網(wǎng)絡貸款等業(yè)務逐步涌現(xiàn)。傳統(tǒng)商業(yè)銀行在發(fā)展互聯(lián)網(wǎng)金融尤其是P2P網(wǎng)絡貸款方面也逐步加速。本文通過對國內(nèi)外P2P網(wǎng)絡借貸相關文獻的回顧,發(fā)現(xiàn)當前對于P2P網(wǎng)貸與傳統(tǒng)銀行業(yè)關系的研究,基本停留在P2P網(wǎng)貸對商業(yè)銀行的影響階段,而對于互聯(lián)網(wǎng)金融尤其是P2P網(wǎng)貸發(fā)展日益壯大的背景下,商業(yè)銀行如何應對僅僅提供方向性的指導,關于商業(yè)銀行具體以何種方式參與P2P業(yè)務的研究不是很充分。因此,本文主要研究商業(yè)銀行參與P2P網(wǎng)絡借貸業(yè)務的方式及路徑。首先,在分析P2P網(wǎng)絡借貸發(fā)展現(xiàn)狀的基礎上,探尋商業(yè)銀行參與P2P業(yè)務的理論基礎與現(xiàn)實基礎;其次,在梳理國內(nèi)外商業(yè)銀行參與P2P業(yè)務方式的基礎上,對三種方式進行優(yōu)劣分析,從而對不同類型商業(yè)銀行參與P2P業(yè)務的方式提供建議。再次,從客戶、業(yè)務和風控領域出發(fā),分析商業(yè)銀行參與P2P業(yè)務的可行路徑。在對商業(yè)銀行參與P2P業(yè)務進行規(guī)范分析的基礎上,本文運用面板回歸分析方法論證路徑的可行性。限于銀行系P2P平臺運營數(shù)量少、運營時間短、數(shù)據(jù)不充分的現(xiàn)狀,難以進行充分的實證分析。因此,本文通過研究客戶、業(yè)務和風控對P2P平臺的影響,進而論證商業(yè)銀行采取此路徑的可行性。實證部分,本文選取了160家P2P平臺作為研究樣本,運用面板回歸分析方法,探究客戶、業(yè)務和風控等路徑的可行性,以P2P網(wǎng)貸平臺借款成功率為被解釋變量,以客戶、業(yè)務和風控所影響的平臺投資人數(shù)、平臺資金規(guī)模和平臺成交量為解釋變量,論證三者與P2P平臺借款成功率具有顯著正相關關系,從而論證了客戶、業(yè)務和風控路徑對于商業(yè)銀行參與P2P業(yè)務的可行性與有效性。本文通過對商業(yè)銀行參與P2P業(yè)務進行理論分析與現(xiàn)實分析、規(guī)范分析與實證分析,為商業(yè)銀行提供參與P2P業(yè)務的方式及路徑參考,以便于商業(yè)銀行更好參與網(wǎng)貸業(yè)務。在方式上,商業(yè)銀行可根據(jù)自身發(fā)展戰(zhàn)略和經(jīng)營狀況,選擇提供資金存管服務、自建P2P平臺或是與現(xiàn)有P2P平臺合作等方式,發(fā)展P2P業(yè)務;在路徑上,商業(yè)銀行可選擇以客戶業(yè)務補充為重點的收益提升路徑或是以風控領域補缺為重點的安全保障路徑,以充分發(fā)揮商業(yè)銀行的現(xiàn)有優(yōu)勢,實現(xiàn)互聯(lián)網(wǎng)化戰(zhàn)略的穩(wěn)步推進。
[Abstract]:In July 2015, the State Council issued the guidance on actively promoting the "Internet", encouraging all industries to actively develop the "Internet" strategy, and promoting China's economic transformation and upgrading. In recent years, the "traditional Internet industry" is in full swing, among which, Internet finance is particularly prominent. With the quickening of the strategy of traditional financial institutions, mobile banking, internet financing and P2P network loans are emerging gradually. Traditional commercial banks in the development of Internet finance, especially P2P network loans are also gradually accelerated. Based on the review of domestic and foreign literatures on P2P network lending, this paper finds that the current research on the relationship between P2P network lending and traditional banking is basically at the stage of the impact of P2P network lending on commercial banks. However, with the development of Internet finance, especially P2P network loan, the research on how commercial banks should only provide directional guidance on how to participate in P2P business is not sufficient. Therefore, this paper mainly studies the ways and paths for commercial banks to participate in P2P network lending business. First of all, on the basis of analyzing the current situation of P2P network lending, it explores the theoretical and practical basis for commercial banks to participate in P2P business. Secondly, on the basis of combing the domestic and foreign commercial banks to participate in P2P business, This paper analyzes the advantages and disadvantages of the three ways, and provides suggestions for different types of commercial banks to participate in P2P business. Thirdly, from the customer, business and wind control field, the paper analyzes the feasible path for commercial banks to participate in P2P business. Based on the normative analysis of commercial banks' participation in P2P business, this paper uses panel regression analysis to demonstrate the feasibility of the path. Limited to the bank P2P platform operation quantity is small, the operation time is short, the data is insufficient, it is difficult to carry on the sufficient empirical analysis. Therefore, this paper studies the impact of customer, business and wind control on P2P platform, and then demonstrates the feasibility of commercial banks to take this path. In the empirical part, this paper selects 160 P2P platforms as the research sample, uses the panel regression analysis method to explore the feasibility of the path of customer, business and wind control, taking the success rate of P2P network loan platform as the explanatory variable, and taking the customer as the customer. Business and wind control influence the number of platform investment, platform capital scale and platform turnover as explanatory variables. It is demonstrated that the three factors have a significant positive correlation with P2P platform loan success rate, thus demonstrating the customer. The feasibility and effectiveness of business and wind control path for commercial banks to participate in P2P business. Through the theoretical and practical analysis, normative analysis and empirical analysis of commercial banks participating in P2P business, this paper provides the way and path reference for commercial banks to participate in P2P business, so as to facilitate commercial banks to participate in network lending business better. In the way, according to their own development strategy and business situation, commercial banks can choose to provide funds management services, build their own P2P platform or cooperate with existing P2P platforms to develop P2P business. The commercial banks can choose the revenue enhancement path with the emphasis on customer business supplement or the security path with the emphasis on the wind control field in order to give full play to the existing advantages of commercial banks and realize the steady progress of the strategy of Internet.
【學位授予單位】：山西財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2;F724.6
[Abstract]:In July 2015, the State Council issued the guidance on actively promoting the "Internet", encouraging all industries to actively develop the "Internet" strategy, and promoting China's economic transformation and upgrading. In recent years, the "traditional Internet industry" is in full swing, among which, Internet finance is particularly prominent. With the quickening of the strategy of traditional financial institutions, mobile banking, internet financing and P2P network loans are emerging gradually. Traditional commercial banks in the development of Internet finance, especially P2P network loans are also gradually accelerated. Based on the review of domestic and foreign literatures on P2P network lending, this paper finds that the current research on the relationship between P2P network lending and traditional banking is basically at the stage of the impact of P2P network lending on commercial banks. However, with the development of Internet finance, especially P2P network loan, the research on how commercial banks should only provide directional guidance on how to participate in P2P business is not sufficient. Therefore, this paper mainly studies the ways and paths for commercial banks to participate in P2P network lending business. First of all, on the basis of analyzing the current situation of P2P network lending, it explores the theoretical and practical basis for commercial banks to participate in P2P business. Secondly, on the basis of combing the domestic and foreign commercial banks to participate in P2P business, This paper analyzes the advantages and disadvantages of the three ways, and provides suggestions for different types of commercial banks to participate in P2P business. Thirdly, from the customer, business and wind control field, the paper analyzes the feasible path for commercial banks to participate in P2P business. Based on the normative analysis of commercial banks' participation in P2P business, this paper uses panel regression analysis to demonstrate the feasibility of the path. Limited to the bank P2P platform operation quantity is small, the operation time is short, the data is insufficient, it is difficult to carry on the sufficient empirical analysis. Therefore, this paper studies the impact of customer, business and wind control on P2P platform, and then demonstrates the feasibility of commercial banks to take this path. In the empirical part, this paper selects 160 P2P platforms as the research sample, uses the panel regression analysis method to explore the feasibility of the path of customer, business and wind control, taking the success rate of P2P network loan platform as the explanatory variable, and taking the customer as the customer. Business and wind control influence the number of platform investment, platform capital scale and platform turnover as explanatory variables. It is demonstrated that the three factors have a significant positive correlation with P2P platform loan success rate, thus demonstrating the customer. The feasibility and effectiveness of business and wind control path for commercial banks to participate in P2P business. Through the theoretical and practical analysis, normative analysis and empirical analysis of commercial banks participating in P2P business, this paper provides the way and path reference for commercial banks to participate in P2P business, so as to facilitate commercial banks to participate in network lending business better. In the way, according to their own development strategy and business situation, commercial banks can choose to provide funds management services, build their own P2P platform or cooperate with existing P2P platforms to develop P2P business. The commercial banks can choose the revenue enhancement path with the emphasis on customer business supplement or the security path with the emphasis on the wind control field in order to give full play to the existing advantages of commercial banks and realize the steady progress of the strategy of Internet.
【學位授予單位】：山西財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2;F724.6
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