江西懿懿投资咨询有限公司转型方案研究

发布时间：2018-08-14 12:14

【摘要】：近年来,P2P网络借贷行业凭借着“无监管、无标准、无门槛”的宽松市场条件发展得十分迅速,平台数量爆发式上涨,交易额屡创新高,已经成为举足轻重的小额融资渠道。但是,无序的野蛮式生长同样也给P2P网络借贷行业带来了致命的伤害,问题平台增多,跑路事件频发,使得人们在讶异于其高速发展的同时也不禁为其未来感到担忧。为了整顿P2P网络借贷行业,2015年7月,人民银行联手其他十家部门发布《关于促进互联网金融健康发展的指导意见》,行业的“无监管”时代结束,各项监管准则开始影响P2P网络借贷平台的营运、发展,行业内,一场转型风暴悄然而至。江西懿懿投资咨询有限公司作为一家上线不久的民营系P2P网络借贷企业,同样也不可避免地受到监管的冲击,而与此同时,其也刚与江西电子集团达成收购意愿,挑战与机遇并存,她应何去何从?本文首先从P2P网络借贷行业现状入手,通过纵向对比分析法、归纳总结法对国内该行业及平台运营模式进行研究分析。然后,通过对行业现状的归纳总结找出我国该行业中存在的问题,进而引出转型的必要性。最后,本文通过对两个国内平台的转型案例的分析,学习P2P网络借贷平台的转型经验,为江西懿懿投资咨询有限公司转型方案的设计做好理论和实践上的充分准备。为了深入了解江西懿懿投资咨询有限公司的具体情况,本文运用纵向对比分析法对其业务状况、行业地位进行分析,同时通过SWOT分析法对江西懿懿投资咨询有限公司目前所拥有的优劣势,面临的机会和威胁进行详细的介绍,并找到其存在的问题。然后,本文以公司战略管理的理论为依据,为江西懿懿投资咨询有限公司选好总体战略、竞争战略以及职能战略。接着,在已选的三个层次的公司战略的基础上,本文对企业哲学、新产品、运营模式、相关流程、组织结构以及部门规划进行具体设计安排。最后,为了保证转型方案的顺利实施,本文对江西懿懿投资咨询有限公司的转型方案的实施进行相关安排,并对转型过程中可能出现的问题进行事先估量,给出相关解决对策。笔者期望此次转型方案的设计能帮助江西懿懿投资咨询有限公司顺利渡过这个机会与挑战并存的整合阶段,迎来新的春天。同时,也希望此此次的研究能够对后续的P2P网络借贷企业的转型起到借鉴作用,帮助企业顺利转型升级。
[Abstract]:In recent years, the P2P network lending industry has developed rapidly with the loose market conditions of "no supervision, no standard, no threshold", the number of platforms has exploded, the transaction volume has repeatedly reached a new high, and has become a pivotal microfinance channel. However, the disorder and savage growth has also brought fatal harm to the P2P network lending industry. The increase of problem platforms and the frequent incidents of running the road make people surprised by its rapid development, but also worry about its future. In order to clean up the P2P network lending industry, in July 2015, the people's Bank of China, together with 10 other departments, issued guidelines on promoting the healthy Development of Internet Finance, ending the "unregulated" era of the industry. Various regulatory standards are beginning to affect the operation and development of P2P network lending platform. In the industry, a storm of transformation is coming quietly. Jiangxi Yi Yi Investment Consulting Co., a recently launched private P2P network lending company, is also inevitably subject to regulatory shocks, and at the same time, it has just reached a takeover wish with Jiangxi Electronics Group. Challenges and opportunities coexist, where should she go? This paper begins with the current situation of P2P network lending industry, through longitudinal comparative analysis, summarizes the domestic industry and platform operation mode research and analysis. Then, by summarizing the current situation of the industry, we find out the existing problems in this industry, and then lead to the necessity of transformation. Finally, through the analysis of the transformation cases of the two domestic platforms, this paper studies the experience of the transformation of P2P network lending platform, and makes sufficient preparations for the design of the transformation scheme of Jiangxi Yi Investment Consulting Co., Ltd. In order to deeply understand the specific situation of Jiangxi Yi Investment Consulting Co., Ltd., this paper uses longitudinal comparative analysis method to analyze its business status and industry status. At the same time, the advantages and disadvantages, opportunities and threats faced by Jiangxi Yi Yi Investment Consulting Co., Ltd. are introduced in detail by SWOT analysis, and the existing problems are found. Then, based on the theory of corporate strategic management, this paper selects the overall strategy, competitive strategy and functional strategy for Jiangxi Yi Yi Investment Consulting Co., Ltd. Then, on the basis of the selected three levels of company strategy, this paper designs the enterprise philosophy, new product, operation mode, related process, organization structure and department planning. Finally, in order to ensure the smooth implementation of the transformation program, this paper makes relevant arrangements for the implementation of the transformation program of Jiangxi Yi Investment Consulting Co., Ltd. The author hopes that the design of the transformation scheme will help Jiangxi Yi Yi Investment Consulting Co., Ltd., through the integration of opportunities and challenges, usher in a new spring. At the same time, I hope this research can help the P2P network loan enterprises to transform and upgrade smoothly.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.39;F724.6

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