集成金融集团互联网金融实践案例分析

发布时间：2018-05-04 19:07

本文选题：互联网金融 + SWOT分析　；参考：《广东财经大学》2015年硕士论文

【摘要】：互联网金融是传统金融与互联网相结合的产物,目前我国互联网金融呈现一种井喷态势,互联网巨头,传统金融机构都开始涉足到此领域。集成金融集团也于2013年8月推出集利财富网作为开展互联网金融的平台。本文以集成金融集团互联网金融平台集利财富作为案例分析对象。首先,介绍集利财富在在互联网金融方面的实践模式,目前集利财富主要采取与小贷公司、融资担保公司及资产管理公司相互合作的模式。其次,通过分析集利财富的成交数据、投资人数、人均投资额等数据,发现这些关键数据都稳中有升,说明集利财富保持了稳健的发展势头;另外,通过对借款期限、借款金额的分布、前十大借款金额占比的分析,发现集利财富存在借款不够分散,风险过于集中,且存在一定的流动性风险。再次,通过总结性的SWOT分析,发现集利财富在开展互联网金融实践方面的存在哪些优劣势及机会和威胁。最后根据这些分析,分别在平台建设、业务开展、风险控制及队伍建设上提出相关建议,并对集利财富的未来发展进行了展望。
[Abstract]:Internet finance is the result of the combination of traditional finance and Internet. At present, Internet finance in our country is showing a blowout situation. Internet giants and traditional financial institutions are beginning to set foot in this field. Integrated Financial Group also launched in August 2013 as a platform for the development of Internet finance. This paper takes the Internet financial platform of integrated financial group as a case study. First of all, the paper introduces the practice mode of the profit wealth in the aspect of Internet finance. At present, it mainly adopts the mode of cooperation with the small loan company, the financing guarantee company and the asset management company. Secondly, by analyzing the transaction data, the number of people invested, the investment per capita, and so on, we find that these key data are steadily rising, indicating that the profit wealth has maintained a steady momentum of development. In addition, through the borrowing period, The distribution of the loan amount and the analysis of the proportion of the top ten borrowing amount show that the aggregate wealth is not enough to spread the loan, the risk is too concentrated, and there is a certain liquidity risk. Thirdly, through the summative SWOT analysis, we find out what advantages and disadvantages, opportunities and threats exist in the practice of Internet finance. Finally, according to these analyses, the paper puts forward some suggestions on platform construction, business development, risk control and team building, and looks forward to the future development of profit collection wealth.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.39

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