本文選題：P2P網(wǎng)絡(luò)借貸　切入點(diǎn)：互聯(lián)網(wǎng)金融　出處：《浙江大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：互聯(lián)網(wǎng)金融結(jié)合互聯(lián)網(wǎng)技術(shù)和金融業(yè)務(wù)成為當(dāng)今的熱點(diǎn),主流上它可以劃分成第三方支付、P2P網(wǎng)絡(luò)借貸、眾籌、第三方金融平臺(tái)、大數(shù)據(jù)金融和傳統(tǒng)金融業(yè)務(wù)的互聯(lián)網(wǎng)化等六種模式,其中,P2P網(wǎng)絡(luò)借貸是互聯(lián)網(wǎng)金融中較為流行的一種模式,它對(duì)我國(guó)的普惠金融和中小企業(yè)融資做出了較大貢獻(xiàn)。近幾年來(lái),我國(guó)的P2P網(wǎng)絡(luò)借貸不管在模式發(fā)展還是在監(jiān)管政策上都在不斷完善中,在與國(guó)際接軌的同時(shí)也慢慢顯示出自己的特色。本文的主要內(nèi)容分為五個(gè)部分:首先,本文會(huì)對(duì)互聯(lián)網(wǎng)金融包括P2P借貸的背景進(jìn)行介紹,并對(duì)論文的主要研究?jī)?nèi)容和創(chuàng)新點(diǎn)進(jìn)行分析;其次,本文會(huì)對(duì)互聯(lián)網(wǎng)金融和P2P行業(yè)進(jìn)行詳細(xì)介紹,包括互聯(lián)網(wǎng)金融的內(nèi)涵及監(jiān)管、P2P行業(yè)的發(fā)展現(xiàn)狀和特點(diǎn)以及P2P行業(yè)發(fā)展前景等;接著,本文將通過(guò)對(duì)國(guó)內(nèi)外不同P2P公司的分析來(lái)獲取其異同點(diǎn),國(guó)內(nèi)的平臺(tái)包括拍拍貸、陸金所、宜信P2P平臺(tái)等,國(guó)外的有英國(guó)的Zopa、Funding Circle和美國(guó)的Prosper、Lending Club;然后,本文將著重展開對(duì)研究對(duì)象橙天金融的分析,包括它的公司介紹、產(chǎn)品分析、P2P模式研究、重要的機(jī)制研究和特點(diǎn)分析;最后,本文會(huì)對(duì)橙天金融的P2P模式進(jìn)行優(yōu)劣勢(shì)評(píng)價(jià)分析,并提出相應(yīng)的意見(jiàn)和建議,得出結(jié)論。本文的研究對(duì)象橙天金融服務(wù)外包公司是一個(gè)集純中介模式、擔(dān)保抵押模式、020模式、以及P2B模式為一體的P2P網(wǎng)絡(luò)借貸平臺(tái),它與第三方支付平臺(tái)"匯付天下"以及第三方倉(cāng)儲(chǔ)物流公司浙江潤(rùn)通物流有限公司合作,前者作為托管方,隔離投資人和借款人資金與平臺(tái)自有資金,后者則對(duì)橙天金融的動(dòng)產(chǎn)進(jìn)行專業(yè)運(yùn)輸和保管。橙天金融具有"倉(cāng)儲(chǔ)金融"和轉(zhuǎn)讓市場(chǎng)機(jī)制等特色。但是,公司也存在對(duì)抵押物要求較高、產(chǎn)品利率優(yōu)勢(shì)不明顯以及易受系統(tǒng)性風(fēng)險(xiǎn)的影響等問(wèn)題。所以,研究橙天金融的P2P借貸模式對(duì)公司自身和整個(gè)P2P行業(yè)都有積極意義。
[Abstract]:Internet finance, combined with Internet technology and financial services, has become a hot spot today. In the mainstream, it can be divided into third-party payment, P2P network lending, crowdfunding, and third-party financial platforms. There are six models of big data finance and traditional financial business, such as Internet, among which P2P network lending is a popular mode in Internet finance. It has made great contributions to the inclusive finance and the financing of small and medium-sized enterprises in China. In recent years, The P2P network loan of our country is in the process of perfecting both in the mode development and in the supervision policy, and gradually shows its own characteristics while connecting with the international standard. The main content of this paper is divided into five parts: first of all, This paper will introduce the background of Internet finance, including P2P lending, and analyze the main research contents and innovation points. Secondly, this paper will introduce the Internet finance and P2P industry in detail. Including the connotation of Internet finance and supervision of P2P industry development status and characteristics, as well as P2P industry development prospects; then, this paper will through the analysis of different P2P companies at home and abroad to obtain the similarities and differences, domestic platforms including PPDAI, Lufax, Yixin P2P platform, etc., abroad include ZopaA funding Circle of Britain and Prosperan Lending Club.Then, this paper will focus on the analysis of Orange Financial Research object, including its company introduction, product analysis and P2P model research. Finally, this paper will evaluate and analyze the advantages and disadvantages of Orange Financial P2P model, and put forward the corresponding opinions and suggestions. The research object of this paper is Orange Financial Services Outsourcing Company, which is a P2P network lending platform which integrates pure intermediary model, guarantee mortgage model, and P2B model. It works with the third-party payment platform "remittance world" and the third-party warehousing logistics company Zhejiang Runtong Logistics Co., Ltd., the former acting as custodian, separating investors and borrowers from the platform's own funds, The latter carries out professional transportation and custody of Orange Financial's movable property. Orange Financial has the characteristics of "warehousing finance" and transfer market mechanism. However, companies also have higher requirements for collateral. The advantages of product interest rate are not obvious and vulnerable to systemic risk. Therefore, it is of positive significance to study the P2P lending model of Orange Financial for the company itself and the whole P2P industry.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.4

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