中国互联网金融的三种新型投融资模式研究

发布时间：2018-06-16 20:19

本文选题：传统金融 + 互联网金融　；参考：《中国社会科学院研究生院》2014年硕士论文

【摘要】：自上世纪九十年代以来，伴随着互联网技术和互联网企业的不断创新和快速发展，作为一种新兴的技术和新型的商业模式，它们同样经历了被人认识、理解、接受，进而寄予厚望的过程。正因为互联网企业不断的创新，以前所未有的速度缔造着一个个商业神话，不断刺激着人们的认知神经，以至于在普通人的眼里“互联网企业就是革新的代名词，它可以化腐朽为神奇，改造一切陈旧落后了的传统业态，为人们的生活带来翻天覆地的变化”。 2013年是躁动的互联网金融元年，众多带着互联网特质的企业涉足金融领域，，开创了国内一个“泛金融”时代的到来。目前，创新正在以前所未有的速度快速发展着，变革每天就发生在我们身边。那么，什么是互联网金融，互联网金融是否真的能够对传统金融业造成根本性的挑战，哪种互联网金融模式最有可能成功的？笔者通过综合当前各方对互联网金融的看法，从核心客户群区分，重新界定了互联网的定义和范围。并运用“长尾理论”、“破坏性创新理论”和“金融脱媒理论”分析得出“互联网金融可以颠覆传统金融业”存在着理论依据；通过实际调查分析互联网金融比较有代表性的三种模式——P2P借贷、众筹融资和余额宝理财，看清了这三种模式发展目前遇到的困难和未来的发展。
[Abstract]:Since the 1990s, with the continuous innovation and rapid development of Internet technology and Internet enterprises, as a new technology and a new business model, they have also experienced recognition, understanding, acceptance. The process in which high hopes are placed. It is precisely because of the constant innovation of Internet enterprises, creating a commercial myth at an unprecedented speed, and constantly stimulating people's cognitive nerves, that in the eyes of ordinary people, "Internet enterprises are synonymous with innovation," It can turn decay into magic, transform all old and backward traditional practices, and bring about a tremendous change in people's lives. "2013 is the first year of Internet finance," he said. A large number of enterprises with the characteristics of the Internet involved in the financial field, creating a "pan-finance" era. At present, innovation is developing at an unprecedented speed, and change happens every day around us. So what is Internet finance, can Internet finance really pose a fundamental challenge to the traditional financial industry, and what kind of Internet financial model is most likely to succeed? The author redefines the definition and scope of Internet by synthesizing current views on Internet finance and differentiating from core customer base. By using "long-tail theory", "destructive innovation theory" and "financial disintermediation theory", it is concluded that there is a theoretical basis for "Internet finance can subvert the traditional financial industry". Through the actual investigation and analysis of the three representative models of Internet finance, P2P lending, crowdfunding and Yu'e Bao financing, the difficulties encountered in the development of these three models and the future development are clearly seen.
【学位授予单位】：中国社会科学院研究生院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832;F830.42

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