互联网金融与风险投资研究

发布时间：2018-05-10 14:26

本文选题：风险投资 + 互联网金融　；参考：《对外经济贸易大学》2015年硕士论文

【摘要】：互联网金融行业从出现到发展,只有短短数年,虽然目前看起来其对社会经济已经形成巨大影响力,但行业还远未达到成熟的阶段。在这数年之中,各路金融资本,特别是风险投资(VC Venture Capital)对于互联网金融的早期孵化和成长期的进一步推进,对互联网金融各种模式的分阶段布局,都在潜移默化的助力互联网金融的升级和发展。因此,本文首先对互联网金融的本质特征和具体形态做了细致的研究分类。互联网金融并未改变金融的信用中介的本质,但改变了信用赖以生存的环境,将互联网"开诚布公、权益平等、互相协作、重在分享"的精神融入到既有金融业态。而从具体形态上,互联网金融又可以分为个人理财类、金融门户类、投融资类、支付结算类、传统业务类和系统支撑等六大类。六大类又可细分为18个二级分类。而在时间轴上,首先,传统金融公司在很早就尝试互联网方向转型。其次,互联网公司先后分阶段布局了支付类、个人理财、P2P和众筹,以及近半年非常热火的消费金融和企业金融服务。此外,上市公司也结合自身业务特点,选择性的在小额贷款领域进行互联网金融业务突围,也已经取得一定的进展。整体来看,对于互联网金融来说,风险投资的孵化作用更明显,布局更有前瞻性,覆盖范围更广,对产业的改造和升级影响更加深远。目前全球范围来看,已经出现几家,发展到一定规模,市值超过数十亿美元的互联网金融公司,这些公司身后都有风险投资的资助。而未来必将出现体量更大,数量更多的互联网金融上市公司。风险投资的积极作用,对互联网金融,对社会经济产业升级的影响,深远而持续。
[Abstract]:The Internet financial industry has been developing for only a few years, although it seems to have a great influence on the social economy, but the industry is far from mature. In the past few years, various kinds of financial capital, especially VC Venture Capital, have further promoted the early incubation and growth of Internet finance, and the phased layout of various models of Internet finance. In the subtle help of Internet finance upgrade and development. Therefore, this paper firstly makes a detailed study on the essential characteristics and specific forms of Internet finance. Internet finance has not changed the nature of credit intermediary of finance, but has changed the environment in which credit depends on existence. The spirit of Internet "openness, equality of rights and interests, mutual cooperation and sharing" has been integrated into the existing financial industry. From the specific form, Internet finance can be divided into six categories: personal finance, financial portal, investment and financing, payment and settlement, traditional business and system support. Six major categories can be subdivided into 18 secondary classifications. And on the timeline, first, the traditional financial companies in the early attempt to change the direction of the Internet. Secondly, Internet companies have phased out the payment category, personal finance P2P and crowdfunding, as well as hot consumer finance and corporate financial services in the last six months. In addition, the listed companies have also made some progress in the field of micro-credit by selectively breaking out of the Internet financial business in the light of their own business characteristics. On the whole, for Internet finance, the incubating effect of venture capital is more obvious, the layout is more forward-looking, the scope of coverage is wider, and the impact on the transformation and upgrading of industry is more far-reaching. Globally, there have been a few, growing to a certain scale, market value more than billions of dollars of Internet financial companies, these companies behind venture capital funding. In the future, there will be a larger number of Internet financial listed companies. The positive effect of venture capital on internet finance and the upgrading of social economy industry is far-reaching and sustainable.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.4

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