互联网金融公司P2P模式商业计划书

发布时间：2018-01-17 18:07

本文关键词：互联网金融公司P2P模式商业计划书　出处：《首都经济贸易大学》2015年硕士论文　论文类型：学位论文

【摘要】：2013年被称为互联网金融的元年。在这一年里,互联网思维如同一场当代的文艺复兴,影响并改变着传统的金融业态和格局。银行、券商、基金、保险等传统金融业机构开始积极谋变以巩固既有优势地位。而阿里巴巴、腾讯、百度、新浪、京东、苏宁等互联网企业则开始在金融领域跑马圈地并试图构建自己的业务模式。这些金融“新贵”成为了金融业的“搅局者”,打破了固有的金融格局。除此之外,伴随着这波互联网金融的浪潮,金融领域也出现了不少“新兵”。本商业计划书便是以A公司为例,主要从事业务为互联网金融一细分领域:网络借贷业务,及由此衍生出的新型网络融资类业务。本计划书针对A公司的策划、产品、销售、财务等多方面作出了细致规划,也通过迈克尔波特的五力竞争模型和SWOT模型对A公司的竞争环境作了详细分析,为项目的成功运作提供的可靠方案和坚实的理论基础。本计划书面对对象为初始合伙人。因项目自身特点,初始资金需求较少,但对专业知识要求较高,通过本文分析,向合伙人介绍A公司投资及参与价值。本计划书最大的特点是:在一定程度上弱化了目前市场上较流行的个人对个人的融资模式,主要是由于在极端风险出现的情况下,个人财产较难处置,因而转向安全级别较高,处置相对容易的传统资产管理公司的产品。相比较而言,虽然资产管理公司产品整体打包费用与个人借贷有明显劣势,但我们认为互联网金融真正核心的是风险控制,当市场出现较大动荡时,只有安全级别更高的公司才能生存的更长久。在上述论证和分析的基础上,本计划书最后对A公司可行性进行总结,认为A公司具有投资创建价值。
[Abstract]:2013 is called the first year of Internet finance. In this year, Internet thinking, like a contemporary Renaissance, has influenced and changed the traditional financial patterns and patterns. Banks, securities firms, funds. Traditional financial institutions, such as insurance, are actively seeking to consolidate their existing dominance. Alibaba, Tencent, Baidu, Sina, JingDong. Internet companies such as SUNING have started to run around the financial world and try to build their own business models. These financial "upstarts" have become "spoilers" of the financial sector, breaking the inherent financial landscape. Along with this wave of Internet finance, the financial field has also appeared a lot of "recruits". This business plan is to A company as an example, mainly engaged in the business of Internet finance a subdivision: network lending business. And the resulting new network financing business. This plan for A company planning, products, sales, financial and other aspects of the detailed planning. Through Michael Porter's five-force competition model and SWOT model, the competitive environment of A company is analyzed in detail. For the successful operation of the project to provide a reliable program and a solid theoretical basis. This plan is addressed to the initial partner. Due to the characteristics of the project, the initial funding requirements are relatively small, but the requirements for professional knowledge are high. Through the analysis of this paper, we introduce the investment and participation value of company A to the partners. The biggest characteristic of this plan is that it weakens to some extent the more popular individual to individual financing mode in the current market. This is mainly due to the fact that personal property is more difficult to dispose of in situations of extreme risk and thus to the products of traditional asset management companies with higher security levels and relatively easy disposal. Although the overall packaging costs of asset management companies and personal lending have obvious disadvantages, but we believe that the real core of Internet finance is risk control, when the market is more volatile. Only a company with a higher security level can survive longer. On the basis of the above argumentation and analysis, this plan concludes the feasibility of company A and concludes that company A has investment value.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.4

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