政信P2P平台建设面临的问题及对策研究

发布时间：2018-01-06 04:09

本文关键词：政信P2P平台建设面临的问题及对策研究　出处：《河南大学》2016年硕士论文　论文类型：学位论文

【摘要】：政信P2P,又称为P2G(“Private to Government”的简称),是一种将闲散的民间资本嫁接到政府授权建设的项目上的互联网贷款模式。政信P2P的产生源于当下PPP模式的金融需求,为那些追寻优质项目的社会资金通向政府类项目搭建了桥梁。从2015年开始,政府部署推广政府和社会资本合作PPP模式,汇聚社会力量增加服务供给和公共产品。在这股国家政策新风的促动下,政信P2P被许多人认为发展潜力和模式最可行的一种。但是各个政信P2P平台建设却不尽如人意,存在诸多风险,并且随着相关政策的逐渐落实,从2016年3月份开始,原来依靠在地方性融资平台和国企的政信P2P平台开始收缩规模,发展低迷。政信P2P是否适合当下的环境,政信P2P平台建设面临的问题以及政信P2P平台该如何建设值得研究。本文以政信P2P平台建设为研究对象,针对当前政信P2P平台低迷的的发展状况,以经济学理论和现代金融理论为基础,分析出政信P2P平台建设面临的问题以及风险,并通过对于投促金融和融金桥的案例分析,剖析了问题的产生原因,结合其所处的外部环境,对于完善政信P2P平台建设提出政策建议。在文章内容上,本文从平台建设的角度出发,首先阐述了前人的研究成果,之后对于政信P2P平台的运作模式和所处外部环境进行探究。然后通过对于政信P2P平台建设方面的研究,分析出政信P2P平台建设面临的问题包括:平台应对政策风险冲击反应迟缓、与资金需求方合作不够成熟、政信P2P平台竞争优势没有凸显以及政信P2P平台自身定位不明确,并结合案例分析的方法分析了投促金融和融金桥两家公司在平台建设方面面临的问题。最后根据从案例分析得到的思路,对于如何完善政信P2P平台建设提出三方面的政策建议,宏观方面应建立透明的信息披露机制、落实监管职能及实行牌照准入制度,行业方面应及时根据国家相关政策调整转型、丰富风险控制体系及明晰市场定位,微观方面应加强平台创新、加强项目审核以及着重模式推广等。
[Abstract]:Political letter P2P, also known as P2G (abbreviated as "Private to Government"). Peer-to-Peer (P2P) is a kind of Internet loan model that grafted idle private capital into government-authorized construction projects. The emergence of Jingxin P2P originates from the financial demand of the current PPP model. Since 2015, the government has been deployed to promote the PPP model of cooperation between government and social capital. Convergence of social forces to increase the supply of services and public goods. Driven by this new trend of national policy. Political trust P2P is considered by many people to be the most feasible development potential and model. However, the construction of every political trust P2P platform is not satisfactory, there are many risks, and with the implementation of relevant policies gradually. Since March 2016, the original reliance on local financing platforms and state-owned enterprises began to shrink the scale of the P2P platform, the development of depression. Political P2P is suitable for the next environment. Political trust P2P platform construction problems and how to build a political trust P2P platform is worth studying. This paper takes the construction of political trust P2P platform as the research object. Based on the economic theory and the modern financial theory, this paper analyzes the problems and risks faced by the construction of Zhengxin P2P platform. And through the case analysis of investment promotion finance and financial bridge, analyzed the causes of the problem, combined with its external environment, to improve the construction of political trust P2P platform policy recommendations. In the content of the article. From the perspective of platform construction, this paper first describes the previous research results. After that, it explores the operating mode and external environment of Zhengxin P2P platform, and then through the research on the construction of Jingxin P2P platform. This paper analyzes the problems facing the construction of Zhengxin P2P platform, including: the platform is slow to respond to the impact of policy risks, and is not mature enough to cooperate with the capital demand side. The competitive advantage of Zhengxin P2P platform is not highlighted and the positioning of Zhengxin P2P platform is not clear. Combined with the method of case analysis, the paper analyzes the problems faced by the two companies in the platform construction. Finally, according to the thinking obtained from the case study. For how to improve the construction of political trust P2P platform put forward three aspects of policy recommendations, macro aspects should establish a transparent information disclosure mechanism, the implementation of regulatory functions and the implementation of licensing access system. The industry should adjust and transform according to the relevant national policies in time, enrich the risk control system and clear the market position, strengthen the platform innovation, strengthen the project audit and emphasize the mode promotion in the micro aspect.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832.4

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