發(fā)布時(shí)間：2018-01-09 19:18

  本文關(guān)鍵詞：基于促進(jìn)農(nóng)村經(jīng)濟(jì)發(fā)展的P2P網(wǎng)貸平臺(tái)研究　出處：《浙江海洋大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)村經(jīng)濟(jì)發(fā)展 p2p金融 網(wǎng)絡(luò)p2p平臺(tái)模式 對策建議

【摘要】：P2 P金融亦稱之為互聯(lián)網(wǎng)借貸,其定義為:眾多節(jié)點(diǎn)在廣泛的網(wǎng)絡(luò)環(huán)境中引申出的金錢借貸關(guān)系,通常為個(gè)人之間的業(yè)務(wù)往來。p2p網(wǎng)貸完成貸款的渠道是互聯(lián)網(wǎng)平臺(tái),當(dāng)平臺(tái)確認(rèn)了貸款交易關(guān)系就可以處理相關(guān)交易手續(xù)。通常而言,借貸者將其貸款資金與還款日期等借貸信息公布出來。p2p網(wǎng)貸由四類經(jīng)營方式構(gòu)成:第一類為平臺(tái)是根據(jù)擔(dān)保交易;第二類為基于P2P的債權(quán)合同轉(zhuǎn)讓;第三類為大型金融集團(tuán)所屬互聯(lián)網(wǎng)金融服務(wù)平臺(tái);第四類為基于交易參數(shù)為中心,構(gòu)建綜合交易平臺(tái),它重點(diǎn)是線下商務(wù)整合互聯(lián)網(wǎng)。當(dāng)今移動(dòng)互聯(lián)網(wǎng)時(shí)代得到不斷發(fā)展,處于大力加強(qiáng)電子商務(wù)與網(wǎng)絡(luò)支付這一模式下,由此環(huán)境下開始誕生了網(wǎng)絡(luò)金融借貸這一現(xiàn)代化的新型平臺(tái)。傳統(tǒng)金融模式的交易方式具有諸多弊端,很難適應(yīng)快速發(fā)展的現(xiàn)代金融需求。一定程度上阻礙了經(jīng)濟(jì)發(fā)展步伐,因此,急需一種有效的方式來應(yīng)對這一供需缺口,隨即衍生了網(wǎng)貸平臺(tái),這是大部分缺乏資金的小型企業(yè)積極有效尋求投資資金的高效渠道。隨著中國全面實(shí)施改革開放的偉大創(chuàng)舉,也推動(dòng)了農(nóng)村金融的創(chuàng)新與革新。國務(wù)院在17年下發(fā)的文件中明確提到,加速互聯(lián)網(wǎng)技術(shù)運(yùn)用到金融機(jī)構(gòu)中,特別是為農(nóng)業(yè)經(jīng)營戶制定相應(yīng)的金融扶持政策,如保險(xiǎn)、小額貸款等。另外,經(jīng)常性倡導(dǎo)移動(dòng)互聯(lián)網(wǎng)等方面的金融業(yè)務(wù)全力在農(nóng)村推行起來。中國鄉(xiāng)村經(jīng)濟(jì)這一要素也被視為構(gòu)成經(jīng)濟(jì)總體的關(guān)鍵,根據(jù)相關(guān)數(shù)據(jù)顯示,農(nóng)民收入占據(jù)全國總收入的比重呈現(xiàn)逐漸上升的趨勢。中國農(nóng)民的生活水平的提升與生活環(huán)境的穩(wěn)定將依賴于其經(jīng)濟(jì)的增長水平。由于我國農(nóng)村經(jīng)濟(jì)的發(fā)展較為緩慢,農(nóng)村享受的國家資源制度明顯存在較大的價(jià)值偏差,大部分資金得不到固定的產(chǎn)品投資,這也是農(nóng)村現(xiàn)有發(fā)展資金弊端的直接原因。本論文圍繞p2p金融的涉農(nóng)平臺(tái)展開了系統(tǒng)性的研究,首先對農(nóng)村經(jīng)濟(jì)的供應(yīng)與需求雙方的經(jīng)濟(jì)進(jìn)行了全方位分析,對構(gòu)建涉農(nóng)平臺(tái)的健全性展開了多維度的探究,以便尋求有效的方式實(shí)現(xiàn)農(nóng)村農(nóng)業(yè)項(xiàng)目的融資,從而達(dá)到推動(dòng)其經(jīng)濟(jì)快速提升的目的。
[Abstract]:P2P Finance, also known as Internet lending, is defined as the money lending relationship that many nodes extend in a wide network environment. The Internet platform is the channel through which the loan is usually made for business transactions between individuals. When the platform confirms the loan transaction relationship, it can handle the relevant transaction procedures. Generally speaking. Loan information such as loan funds and repayment dates are published by borrowers. P2P net loans are made up of four kinds of business modes: the first is the platform based on secured transactions; The second is the assignment of creditor's rights contract based on P2P; The third is the Internet financial service platform of large financial groups; Class 4th is based on transaction parameters to build a comprehensive trading platform, which focuses on offline business integration of the Internet. Today's mobile Internet era has been continuously developed. Under the mode of strengthening electronic commerce and network payment, the network finance loan is a new modern platform. There are many disadvantages in the traditional financial mode. It is very difficult to adapt to the rapid development of modern financial needs. To some extent, it has hindered the pace of economic development. Therefore, an effective way to deal with this gap between supply and demand is urgently needed. This is an efficient channel for most small enterprises that lack capital to actively and effectively seek investment funds. It has also promoted the innovation and innovation of rural finance. The State Council explicitly mentioned in the document issued in the next 17 years that the application of Internet technology to financial institutions should be accelerated, especially the formulation of corresponding financial support policies for agricultural operators. Such as insurance, small loans and so on. In addition, the frequent advocacy of mobile Internet and other aspects of financial services in rural areas to promote. China's rural economy this element is also considered to constitute the overall economic key. According to the relevant data. The proportion of peasants' income to the total income of the whole country is rising gradually. The improvement of living standard and the stability of living environment of Chinese farmers will depend on the growth level of their economy. Slow. The national resource system of rural enjoyment obviously has a big value deviation, most of the funds can not be fixed product investment. This is also the direct cause of the drawbacks of the existing rural development funds. This paper has carried out a systematic study around the agricultural platform of P2P finance. First of all, the supply and demand of the rural economy of both the economy of the all-round analysis, the construction of a platform for agricultural integrity of the multi-dimensional exploration, in order to find an effective way to achieve the financing of rural agricultural projects. In order to achieve the purpose of promoting its rapid economic upgrading.
【學(xué)位授予單位】：浙江海洋大學(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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