P2P融资模式现状、经济学分析及发展前景研究

发布时间：2018-06-13 22:17

本文选题：P2P融资模式 + 现状　；参考：《电子科技大学》2012年硕士论文

【摘要】：P2P融资模式在上世纪八十年代起源于英国，之后在以美国得到迅速发展，2005年以后，在我国快速兴起，成为第三方金融服务的新模式。P2P融资模式的英文原意是“Peer-to-Peer lending”，中文意思是点对点或称个人对个人的民间借贷业务。 P2P融资模式通过出借人与贷款人直接接触的方式，一方面解决了部分中小企业或者个人的融资需求问题，另一方面为投资人提供了不同于银行理财产品、证券市场投资的新型理财产品。本文主要描述了P2P融资模式的现状、历史沿革、经营模式，在此基础上对其进行经济学分析，然后对P2P融资模式产生的原因进行实证研究和案例研究，最后对P2P融资模式在我国的未来发展前景进行分析。本文主要观点是：（1）P2P融资模式是我国正规金融体系不能满足个人或小微企业融资需求及居民投资需求情况下出现的一类金融模式创新。（2）P2P融资模式的出现本质上是市场自发自由交易形成的结果，其具有存在的内在合理性和民众基础，政府部门不能轻易否定或者取缔。（3）P2P融资模式中的中介公司起到了原始金融中介的作用，一定程度上解决了金融交易过程中所出现的逆向选择问题和道德风险问题。（4）P2P融资模式的发展前景尚不明朗，需要进一步思考。本文创新主要体现在：（1）所研究的问题，目前学者研究较少，，属于主题新颖；（2）运用经济学原理对P2P融资模式存在原因进行了简单分析；（3）用了BSF公司第一手调查数据，数据来源较为新颖。
[Abstract]:P2P financing model originated in Britain in 1980s, then developed rapidly in America. After 2005, P2P financing mode became a new model of third-party financial services. The original meaning of P2P financing mode is "Peer-to-Peer lending". Peer-to-peer private lending business. P2P financing model solves the financing needs of some small and medium-sized enterprises or individuals through direct contact between lenders and lenders. On the other hand, it provides investors with new financial products which are different from bank financial products and investment in securities market. This paper mainly describes the current situation, historical evolution, business model of P2P financing mode, and then carries on the economic analysis to it, and then carries on the empirical research and the case study to the P2P financing pattern origin reason. Finally, the future development prospect of P2P financing model in China is analyzed. The main points of this paper are as follows: the P2P financing model is a kind of financial model innovation that the formal financial system of our country can not meet the financing needs of individuals or small and micro enterprises and the investment needs of residents. The emergence of the capital model is essentially the result of the spontaneous and free trading of the market. Because of its inherent rationality and popular basis, government departments cannot easily deny or ban it. The intermediary companies in the P2P financing model have played the role of original financial intermediaries. The problem of adverse selection and moral hazard appeared in the process of financial transaction is solved to a certain extent. The development prospect of P2P financing model is not clear and needs further consideration. The innovation of this paper is mainly reflected in: (1) the problems studied by scholars are relatively few at present, and they belong to a novel subject; (2) the reasons for the existence of P2P financing mode are simply analyzed by using the economic principle; BSF first-hand survey data, data sources are relatively novel.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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