国内外P2P小额信贷企业运营模式研究及实例分析

发布时间：2018-05-14 14:15

本文选题：P2P小额信贷 + 运营模式　；参考：《中央民族大学》2013年硕士论文

【摘要】：1976年,穆罕默德.尤努斯(Muhammad Yunus)在孟加拉国,创办了孟加拉第一个乡村银行—格莱珉银行,这是一个发行微型贷款的机构。2006年,尤努斯与格莱珉银行共同获得了诺贝尔和平奖。自此,格莱珉乡村银行的运作模式在世界范围内传开。小额信贷近年来在非盈利领域取得的成功引起了一些盈利性的金融公司的注意,他们开始模仿小额信贷机构的借贷模式,以中介的形式将借贷双方联系起来,通过收取服务费的方式获取盈利,这就是P2P小额信贷的起源。 P2P小额信贷公司最早于2005年起源于英国,随后很快传入中国,2006年创办的宜信公司,是中国第一家P2P小额信贷公司。随后,P2P小额信贷公司在中国获得了爆发式的发展,数量由2008年的几十家迅速增长到如今的300家以上,并且被迅速网络化。由于门槛低,缺乏监管机构,P2P小额信贷机构的发展速度无人能挡,惊人的发展速度势必会带来行业的混乱,如今中国的P2P小额信贷行业鱼龙混杂,服务水平参差不齐,P2P公司资金链断裂,投资者血本无归,欺诈等事情频发。面对巨大的市场需求,以及混乱的行业环境,P2P小额信贷企业应该何去何从,寻找怎样的发展模式才能获得长足发展?鱼龙混杂的P2P小额信贷企业应该由何人监管,到底是该打压还是该鼓励?这都是摆在P2P小额信贷行业面前的问号,值得探究。这正是本文试图解答的问题。本文主要有五章：绪论,P2P小额信贷概况,P2P运营模式及案例,P2P存在的问题及建议,结语。其中绪论和P2P小额信贷概况属于理论部分,是本文的研究背景,第三章国内外P2P小额信贷企业运营模式比较及案例分析,是本文的研究重点。第4章中国P2P小额信贷企业运营模式存在的问题及建议是文章的研究成果。具体而言,在第一章中,本文首先对P2P小额信贷企业的起源和发展现状进行了简要描述,从而让读者了解了本文的研究背景。本章还对国内外P2P的研究动态进行了概述。第二章从P2P小额信贷的定义、特点、分类、产生原因等几个方面,对P2P小额信贷进行了概述,并且对国内外P2P小额信贷机构的发展演进历程、现状等进行了梳理。第三章是本文的重点,在这一章,文章从公司成立时间、公司规模、业务流程、风险控制、交易模式、抵押担保、服务对象、借款额度、借款利率、收费标准、收益率几个指标,对国内外发展比较成熟,规模比较大,具有典型代表性的5家P2P小额信贷公司(国外3家,国内2家)的运营模式进行了对比分析。在前三章的研究基础上,文章在第四章指出了我国P2P小额信贷运营存在的内外部问题：如监管、信用评价体系、银行托管、信息不对称、市场风险等问题；而且针对这些问题提出了建议,并对中国P2P企业的发展趋势做了预测。最后结语,得出了整篇文章的结论,并指出了本文的贡献和不足。
[Abstract]:In 1976, Mohamed. In Bangladesh, Yunus founded the country's first Grameen Bank, the institution that distributes micro-loans. In 2006, Yunus and the Grameen Bank won the Nobel Peace Prize. Since then, Grameen Grameen's operations have spread around the world. The success of microfinance in the non-profit sector in recent years has attracted the attention of some profitable financial companies, which have begun to mimic the lending model of microfinance institutions, linking both borrowers and borrowers in the form of intermediaries. This is the origin of P2P microfinance. Peer-to-Peer-to-Peer Microcredit Corporation (P2P) originated in the UK in 2005 and was introduced to China soon afterwards. It was the first Peer-to-Peer Microcredit Company founded in 2006. Peer-to-Peer-to-Peer (P2P) microfinance companies have since achieved explosive growth in China, from dozens in 2008 to more than 300 today, and have been quickly networked. Because of the low threshold and the lack of a regulatory body, the pace of development of P2P microfinance institutions is unstoppable. The astonishing pace of development is bound to bring chaos to the industry. Nowadays, the P2P microfinance industry in China is mixed up. The service level is not uniform P2P company capital chain breaks, the investor blood does not return, the fraud and so on thing frequently occurs. In the face of huge market demand and chaotic industry environment, where should P2P microfinance enterprises go, and what kind of development model can they find to achieve substantial development? Who should regulate peer-to-peer microfinance companies? should they be suppressed or encouraged? This is in the P2P microfinance industry in front of the question mark, worth exploring. This is exactly the question this article is trying to answer. This paper mainly has five chapters: introduction to P2P micro-credit overview and P2P operation model and cases of P2P problems and suggestions, conclusion. The introduction and P2P microfinance survey is the theoretical part, is the research background of this paper, the third chapter is the domestic and foreign P2P microfinance enterprise operation model comparison and case analysis, is the focus of this paper. In chapter 4, the problems and suggestions of P2P microfinance enterprises in China are the research results. Specifically, in the first chapter, this paper briefly describes the origin and development of P2P microfinance enterprises, so that readers can understand the research background of this paper. This chapter also summarizes the research trends of P2P at home and abroad. The second chapter summarizes the P2P microfinance from the definition, characteristics, classification, reasons and other aspects, and summarizes the evolution of P2P microfinance institutions at home and abroad, the status quo and so on. The third chapter is the focus of this paper, in this chapter, the article from the company's founding time, company size, business process, risk control, trading model, mortgage guarantee, the object of service, borrowing amount, borrowing interest rate, charging standards, The operating modes of 5 representative P2P microfinance companies (3 abroad and 2 domestic) with relatively mature development and large scale at home and abroad are compared and analyzed. On the basis of the first three chapters, the paper points out the internal and external problems in the P2P micro-credit operation in China, such as supervision, credit evaluation system, bank custody, information asymmetry, market risk and so on. Some suggestions are put forward and the development trend of P2P enterprises in China is forecasted. Finally, the conclusion of the whole article is drawn, and the contributions and shortcomings of this paper are pointed out.
【学位授予单位】：中央民族大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39

【参考文献】