【摘要】：普惠金融主旨是能全面的為社會(huì)全部階層和群體提供有效的金融服務(wù)。發(fā)展我國普惠金融體系,是深化金融體制改革、完善現(xiàn)代金融系統(tǒng)、支持實(shí)體經(jīng)濟(jì)的必由之路。隨著互聯(lián)網(wǎng)金融的快速發(fā)展,普惠金融和互聯(lián)網(wǎng)金融在我國逐漸相互結(jié)合,由于兩者的理念和形式具有一致性,借助互聯(lián)網(wǎng)金融的大規(guī)模普及,普惠金融獲得了迅速發(fā)展。本文立足于普惠金融的基本理論,結(jié)合目前互聯(lián)網(wǎng)金融發(fā)展的現(xiàn)狀,對(duì)互聯(lián)網(wǎng)金融中較能體現(xiàn)普惠金融的四種模式進(jìn)行詳細(xì)研究。首先,本文對(duì)互聯(lián)網(wǎng)金融和普惠金融的相關(guān)理論與研究成果進(jìn)行了總結(jié),得出了互聯(lián)網(wǎng)金融必將取代小額信貸成為普惠金融主要形式的結(jié)論;隨后通過回顧我國普惠金融的發(fā)展歷史,分析發(fā)展現(xiàn)狀,將普惠金融模式創(chuàng)新發(fā)展過程分為四個(gè)階段,并根據(jù)各模式的特征對(duì)目前互聯(lián)網(wǎng)金融的四種主要模式進(jìn)行了劃分。之后本文對(duì)各模式進(jìn)行深入分析,展示各模式的內(nèi)涵及優(yōu)勢(shì),探討了眾籌和P2P網(wǎng)貸兩種模式發(fā)展中的問題并提出了對(duì)策建議;闡述了第三方支付模式的普惠意義;總結(jié)了在線理財(cái)服務(wù)模式的各種創(chuàng)新形式和未來的發(fā)展趨勢(shì)。最后,在上述研究的基礎(chǔ)上指出互聯(lián)網(wǎng)普惠金融各模式未來必然會(huì)相互逐漸融合,并提出了行業(yè)發(fā)展的建議。
[Abstract]:Inclusive finance aims to provide effective financial services to all social strata and groups. Developing China's inclusive financial system is the only way to deepen the reform of the financial system, perfect the modern financial system and support the real economy. With the rapid development of Internet finance, inclusive finance and Internet finance are gradually combined in our country. With the help of the large-scale popularization of Internet finance, inclusive finance has developed rapidly because of the consistency of their concepts and forms. Based on the basic theory of inclusive finance and the current situation of Internet finance, this paper makes a detailed study on four models of inclusive finance. First of all, this paper summarizes the related theories and research results of Internet finance and inclusive finance, and concludes that Internet finance will replace microfinance as the main form of inclusive finance. Then, by reviewing the development history of inclusive finance in China and analyzing the present situation, the innovation and development process of inclusive finance model is divided into four stages, and the four main models of Internet finance are divided according to the characteristics of each model. After that, this paper makes a deep analysis of each model, demonstrates the connotation and advantages of each model, discusses the problems in the development of the two modes of crowdfunding and P2P network loan, and puts forward some countermeasures and suggestions, and expounds the significance of the third-party payment mode. This paper summarizes all kinds of innovative forms and future development trend of online financing service mode. Finally, on the basis of the above research, the author points out that the models of Internet inclusive finance will inevitably merge with each other in the future, and puts forward some suggestions for the development of the industry.
【學(xué)位授予單位】：北京建筑大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F724.6;F832

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