我国社交金融的发展现状及其对策研究

发布时间：2018-03-14 16:57

本文选题：社交金融　切入点：互联网金融　出处：《华东师范大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着互联网技术的不断发展,移动通讯技术、云计算、大数据等互联网新技术正被广泛地应用于金融行业的各个业态中。互联网技术与金融业在风险、产品、渠道、筹融资等多个方面进行融合与创新。一方面,金融业可以为互联网现有的服务功能增加深度与广度;另一方面,互联网络也可以帮助金融业有效降低金融交易成本,解决征信、风险控制等方面的难题,大大降低信息的不对称性。目前,以第三方支付、P2P、众筹、大数据金融、网络货币等为代表的新兴互联网金融产业正高速发展,互联网金融势必在未来帮助金融业提高到一个新的层次。作为互联网金融发展的新模式,社交金融近几年在我国发展迅猛。依托移动互联网技术与移动社交通讯技术,社交金融呈现出"高粘合度"、"高覆盖率"、"即时分享"等特征,许多互联网企业及传统金融机构业纷纷进入社交金融领域,推出了大量相关的金融产品和服务。凭借 "将金融属性添加到社交网络中,利用社交网络开展相关金融业务或服务,实现普惠金融"这一创新思想,可以说社交金融已经成为继P2P之后,互联网金融时代下的又一个"风口"。本文在详细梳理社交金融现有研究成果的基础上,通过采用与传统金融及互联网金融进行对比,归纳出社交金融的优越性;紧接着在分析社了交金融的发展动因以及在我国的发展现状之后,结合问卷调研结果,总结出当前我国社交金融的特点以及发展过程中暴露出的种种问题;然后从制度、法律、技术等层面,全面剖析了造成这些问题的根本原因;最后,针对这些问题本文提出一揽子建议,希望为我国社交金融行业未来的发展以及金融监管部门制定相关监管政策提供一些理论参考依据。
[Abstract]:With the continuous development of Internet technology, new Internet technologies, such as mobile communication technology, cloud computing, big data and so on, are widely used in various forms of the financial industry. On the one hand, the financial industry can increase the depth and breadth of the existing service functions of the Internet; on the other hand, the Internet can also help the financial industry to effectively reduce financial transaction costs and solve credit information. The difficulties in risk control have greatly reduced the asymmetry of information. At present, the emerging Internet financial industry, represented by third-party payments, crowdfunding, big data finance, Internet currency, and so on, is developing at a high speed. Internet finance is bound to help the financial industry to a new level in the future. As a new model for the development of Internet finance, social finance has developed rapidly in China in recent years. Relying on mobile Internet technology and mobile social communication technology, Social finance is characterized by "high cohesion", "high coverage", "instant sharing" and so on. Many Internet enterprises and traditional financial institutions have entered the social finance field. Launched a large number of related financial products and services. With the innovative idea of "add financial attributes to social networks, use social networks to carry out relevant financial business or services, and achieve inclusive finance", It can be said that social finance has become another "tuyere" in the era of Internet finance after P2P. On the basis of combing the existing research results of social finance in detail, this paper compares it with traditional finance and Internet finance. The advantages of social finance are summed up. Then, after analyzing the reasons for the development of social finance and the current situation of development in our country, combining with the results of questionnaire investigation, Summarizes the current characteristics of social finance in China and the problems exposed in the process of development; then from the institutional, legal, technical and other levels, comprehensively analyze the root causes of these problems; finally, In view of these problems, this paper puts forward a package of suggestions, hoping to provide some theoretical reference for the future development of social finance industry and the establishment of relevant regulatory policies.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832

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