【摘要】：伴隨著時(shí)代的發(fā)展,傳統(tǒng)金融與互聯(lián)網(wǎng)的結(jié)合日趨緊密,互聯(lián)網(wǎng)金融發(fā)展如火如荼。在互聯(lián)網(wǎng)金融浪潮中,電商平臺(tái)互聯(lián)網(wǎng)金融可謂一枝獨(dú)秀。相比于其他互聯(lián)網(wǎng)金融模式,電商平臺(tái)互聯(lián)網(wǎng)金融具有參與金融業(yè)務(wù)廣,服務(wù)客戶(hù)數(shù)量多,金融創(chuàng)新力度大等特點(diǎn),對(duì)傳統(tǒng)金融思維習(xí)慣及服務(wù)模式造成了巨大影響,引起了整個(gè)社會(huì)的高度關(guān)注。電商平臺(tái)互聯(lián)網(wǎng)金融綜合電子商務(wù)、互聯(lián)網(wǎng)、金融等行業(yè)優(yōu)勢(shì),較大程度上解決了線上支付中的信用違約、小微企業(yè)貸款難及個(gè)人理財(cái)服務(wù)同質(zhì)化低效化等問(wèn)題,較好地彌補(bǔ)了傳統(tǒng)金融模式的缺陷。本文認(rèn)為,電商平臺(tái)互聯(lián)網(wǎng)金融是互聯(lián)網(wǎng)金融的重要組成部分,對(duì)其的研究有助于了解互聯(lián)網(wǎng)金融模式的特點(diǎn)與優(yōu)勢(shì),分析金融體制發(fā)展的方向。本文首先辨析了互聯(lián)網(wǎng)金融的概念,指出互聯(lián)網(wǎng)金融所體現(xiàn)的是服務(wù)模式上的創(chuàng)新,其本質(zhì)上傳統(tǒng)金融的數(shù)據(jù)化延伸。接下來(lái),介紹了互聯(lián)網(wǎng)金融形成及迅速發(fā)展的成因,認(rèn)為其之所以產(chǎn)生,客觀上是由于傳統(tǒng)金融模式存在缺陷,為互聯(lián)網(wǎng)金融的發(fā)展提供了廣闊空間。主觀上,則可分為由消費(fèi)者行為習(xí)慣改變而形成的需求拉動(dòng)型原因,及由信息技術(shù)的發(fā)展所提供的供給推動(dòng)型原因兩大方面。同時(shí)研究了互聯(lián)網(wǎng)金融特點(diǎn),指出其相對(duì)于傳統(tǒng)金融模式而言,具有較大優(yōu)勢(shì)。在系統(tǒng)介紹互聯(lián)網(wǎng)金融的基礎(chǔ)上,本文著眼于電商平臺(tái)互聯(lián)網(wǎng)金融,首先從第三方支付、小額貸款、個(gè)人理財(cái)?shù)热矫婵偨Y(jié)了電商平臺(tái)開(kāi)展的互聯(lián)網(wǎng)金融業(yè)務(wù),并以阿里巴巴、京東商城、騰訊三家電商為例,介紹了其發(fā)展歷程及業(yè)務(wù)范圍。之后,應(yīng)用SWOT分析方法,詳細(xì)分析了電商平臺(tái)互聯(lián)網(wǎng)金融模式的優(yōu)勢(shì)、劣勢(shì)、機(jī)遇以及挑戰(zhàn)。針對(duì)其自身所具有的劣勢(shì)與面臨的挑戰(zhàn),本文提出了相應(yīng)政策性建議,并對(duì)電商平臺(tái)互聯(lián)網(wǎng)金融未來(lái)的發(fā)展做出了合理預(yù)測(cè)。
[Abstract]:With the development of the times, the combination of traditional finance and the Internet is becoming closer and closer, and the development of Internet finance is in full swing. In the wave of Internet finance, e-commerce platform Internet finance can be described as a unique show. Compared with other Internet financial models, e-commerce platform Internet finance has the characteristics of wide participation in financial business, large number of serving customers, strong financial innovation and so on, which has a great impact on traditional financial thinking habits and service models. It has aroused the great concern of the whole society. The advantages of e-commerce platform, Internet finance, finance and other industries have solved the problems of credit default in online payment, the difficulty of loans for small and micro enterprises and the homogenization and inefficiency of personal financial services to a large extent. It makes up for the defects of the traditional financial model. This paper holds that the Internet finance of e-commerce platform is an important part of Internet finance, and the research on it is helpful to understand the characteristics and advantages of the Internet financial model and analyze the direction of the development of the financial system. This paper first analyzes the concept of Internet finance, and points out that Internet finance embodies the innovation of service mode, which essentially extends the data of traditional finance. Next, it introduces the causes of the formation and rapid development of Internet finance, and holds that it is objectively due to the defects of the traditional financial model, which provides a broad space for the development of Internet finance. Subjectively, it can be divided into two aspects: the demand-driven reasons formed by the change of consumers' behavior and habits, and the supply-driven reasons provided by the development of information technology. At the same time, the characteristics of Internet finance are studied, and it is pointed out that it has great advantages over the traditional financial model. On the basis of systematic introduction of Internet finance, this paper focuses on Internet finance of ecommerce platform. Firstly, it summarizes the Internet financial business carried out by ecommerce platform from three aspects: third party payment, microloan and personal financial management, and takes Alibaba as the first step. JD.com Mall, Tencent three e-commerce as an example, introduced its development process and business scope. Then, the advantages, disadvantages, opportunities and challenges of the Internet financial model of e-commerce platform are analyzed in detail by using SWOT analysis method. In view of its own disadvantages and challenges, this paper puts forward the corresponding policy suggestions, and makes a reasonable prediction of the future development of Internet finance on the e-commerce platform.
【學(xué)位授予單位】：國(guó)際貿(mào)易經(jīng)濟(jì)合作研究院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F724.6;F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前5條

1 范舒婷;;互聯(lián)網(wǎng)金融中電商平臺(tái)的研究[J];東方企業(yè)文化;2014年20期

2 朱晉川;;互聯(lián)網(wǎng)金融的產(chǎn)生背景、現(xiàn)狀分析與趨勢(shì)研究[J];農(nóng)村金融研究;2013年10期

3 陶婭娜;;互聯(lián)網(wǎng)金融發(fā)展研究[J];金融發(fā)展評(píng)論;2013年11期

4 黃海龍;;基于以電商平臺(tái)為核心的互聯(lián)網(wǎng)金融研究[J];上海金融;2013年08期

5 田淑珍;馮家駿;;以電子商務(wù)平臺(tái)為核心的互聯(lián)網(wǎng)金融模式思考[J];現(xiàn)代經(jīng)濟(jì)信息;2014年11期

，

本文編號(hào)：2480417