小马金融P2P平台运营状况与问题调研报告

发布时间：2018-05-25 16:01

本文选题：P2P借贷 + 拓展业务　；参考：《内蒙古大学》2017年硕士论文

【摘要】：P2P网络借贷,是一种独立于正规金融机构体系外的个体借贷行为。P2P网络借贷近十年在世界范围内包都取得了令人瞩目的发展,尤其是我国,随着互联网行业和金融模式的不断创新,P2P也迎来了蓬勃发展的春天。然而高速发展的背后,由于利润高、法规不健全等诸多因素,P2P借贷行业也存在着许多亟待解决的问题和困境。本报告调查研究了小马金融平台的基本情况、发展历程、现阶段运营状况以及信贷模式等,同时结合行业发展现状,比较了小马金融与三家国内P2P网贷行业样本平台在经营模式和经营情况上的差异,发现小马金融在运营中存在的问题:作为一家P2P网络借贷平台,小马金融与行业领先平台相比,存在标的类型单一,资金流动性差,标的还款方式单一,标的收益率偏低等方面的问题。针对以上问题对平台未来的发展提出了改进建议:在原有业务基础上,丰富标的类型,如开发大学生分期贷款、住房贷款等;提高资金流动性,尝试债权转让;满足不同用户的需求,提供灵活的标的还款方式;应用最新互联网技术提升用户体验和风控水平;同时需要根据最新监管要求进行平台整改。
[Abstract]:P2P network lending is an individual lending behavior independent of the formal financial institution system. P2P network lending has made remarkable development worldwide in the past decade, especially in our country. With the Internet industry and financial model innovation, P2P also ushered in a vigorous spring. However, behind the rapid development, many factors, such as high profits, imperfect laws and other factors, P2P lending industry also has many problems and difficulties to be solved. This report investigates and studies the basic situation, the development history, the current operating situation and the credit model of the Pony Financial platform, as well as the current situation of the industry. This paper compares the differences between Pony Finance and three domestic P2P network loan industry sample platforms in operating mode and operating situation, and finds out the problems existing in the operation of Pony Finance: as a P2P network lending platform, Compared with the industry leading platform, there are some problems such as single target type, poor liquidity, single repayment mode, low return rate and so on. In view of the above problems, this paper puts forward some suggestions for improving the future development of the platform: on the basis of the original business, enriching the underlying types, such as developing college students' installment loans, housing loans and so on, improving the liquidity of the funds and trying to transfer the creditor's rights; To meet the needs of different users, provide flexible repayment methods; use the latest Internet technology to improve the user experience and wind control level; at the same time, need to adjust the platform according to the latest regulatory requirements.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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