【摘要】：隨著互聯(lián)網(wǎng)科技的進(jìn)步與金融理論的發(fā)展,P2P網(wǎng)絡(luò)借貸隨之誕生,其互聯(lián)網(wǎng)金融模式自2007年傳入我國(guó)以來(lái),既有爆炸式的發(fā)展速度,又出現(xiàn)了許多讓人瞠目結(jié)舌的問(wèn)題,許多平臺(tái)誕生隨后又消失,只有少數(shù)能真正獲得成功,所以整個(gè)P2P網(wǎng)貸行業(yè)的口碑在投資人心中褒貶不一。中國(guó)互聯(lián)網(wǎng)金融發(fā)展迅速,由于我國(guó)的特殊國(guó)情,傳入國(guó)內(nèi)的原始P2P網(wǎng)貸模式并非一帆風(fēng)順,反而有些水土不服,于是,為了適應(yīng)中國(guó)的互聯(lián)網(wǎng)金融環(huán)境,國(guó)內(nèi)的P2P平臺(tái)紛紛進(jìn)行變革,隨之誕生了一系列的P2P衍生模式,如P2B,P2N,FP2G,FP2C等等。其中P2N模式是最具代表性的一種,專(zhuān)業(yè)化分工,平臺(tái)與小貸公司等各司其職,同時(shí)能減輕合作各方的運(yùn)營(yíng)成本,到達(dá)互利共贏,有的平臺(tái)通過(guò)P2N模式獲得了快速的發(fā)展取得成功,也有的由于種種原因?qū)е陆?jīng)營(yíng)不當(dāng)。本文綜合把握了國(guó)內(nèi)P2P行業(yè)的現(xiàn)狀,包括經(jīng)營(yíng)現(xiàn)狀和外部環(huán)境現(xiàn)狀,通過(guò)分析和研究,尋找獲得P2N模式在中國(guó)得以發(fā)展的原因。本文特此選取了具有代表性的成功P2N平臺(tái)——PPmoney進(jìn)行深入分析,從其運(yùn)營(yíng)模式、盈利模式、風(fēng)控模式等方面進(jìn)行探討,以該公司近段時(shí)間以來(lái)的種種發(fā)展數(shù)據(jù)作為佐證。最終得出以PPmoney為代表的P2N網(wǎng)貸模式的成功之處,并總結(jié)經(jīng)驗(yàn),提供意見(jiàn),補(bǔ)充不足,以促進(jìn)我國(guó)P2P網(wǎng)貸行業(yè)的健康有序發(fā)展為目的,以此幫助我國(guó)實(shí)體經(jīng)濟(jì)發(fā)展。
[Abstract]:With the progress of Internet science and technology and the development of financial theory, P2P network lending has been born. Since its introduction into China in 2007, its Internet financial model has not only explosive development speed, but also many eye-popping problems. Many platforms were born and then disappeared, only a few can really succeed, so the reputation of the whole P2P loan industry is mixed in the hearts of investors. China's Internet finance is developing rapidly. Because of the special conditions of our country, the original P2P network loan model introduced to China is not plain sailing, but rather, it is somewhat difficult to accept. Therefore, in order to adapt to the Internet financial environment in China, The domestic P2P platforms have been transformed, and a series of P2P derivative models have emerged, such as P2B / P2N / FP2GFP2C and so on. P2N model is one of the most representative, specialized division of labor, platform and small loan companies and other functions, while reducing the operating costs of all parties to the cooperation, to achieve mutual benefit and win-win. Some platforms have achieved rapid development success through P2N mode, and others have been improperly managed due to various reasons. This article comprehensively grasps the domestic P2P industry present situation, including the management present situation and the external environment present situation, through the analysis and the research, seeks obtains P2N pattern to be able to develop the reason in China. In this paper, the representative successful P2N platform-PPmoney is selected for in-depth analysis, from its operating mode, profit model, wind control model and so on, with the recent development data of the company as evidence. Finally, the success of P2N network loan model represented by PPmoney is obtained, and the experience is summarized, the advice is provided, the deficiency is supplemented, and the purpose is to promote the healthy and orderly development of P2P network loan industry in our country, so as to help the real economy development of our country.
【學(xué)位授予單位】：廣東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F724.6;F832.4

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本文編號(hào)：2307246