PPmoney公司P2N网贷模式案例分析
发布时间：2018-11-03 08:25
【摘要】：随着互联网科技的进步与金融理论的发展,P2P网络借贷随之诞生,其互联网金融模式自2007年传入我国以来,既有爆炸式的发展速度,又出现了许多让人瞠目结舌的问题,许多平台诞生随后又消失,只有少数能真正获得成功,所以整个P2P网贷行业的口碑在投资人心中褒贬不一。中国互联网金融发展迅速,由于我国的特殊国情,传入国内的原始P2P网贷模式并非一帆风顺,反而有些水土不服,于是,为了适应中国的互联网金融环境,国内的P2P平台纷纷进行变革,随之诞生了一系列的P2P衍生模式,如P2B,P2N,FP2G,FP2C等等。其中P2N模式是最具代表性的一种,专业化分工,平台与小贷公司等各司其职,同时能减轻合作各方的运营成本,到达互利共赢,有的平台通过P2N模式获得了快速的发展取得成功,也有的由于种种原因导致经营不当。本文综合把握了国内P2P行业的现状,包括经营现状和外部环境现状,通过分析和研究,寻找获得P2N模式在中国得以发展的原因。本文特此选取了具有代表性的成功P2N平台——PPmoney进行深入分析,从其运营模式、盈利模式、风控模式等方面进行探讨,以该公司近段时间以来的种种发展数据作为佐证。最终得出以PPmoney为代表的P2N网贷模式的成功之处,并总结经验,提供意见,补充不足,以促进我国P2P网贷行业的健康有序发展为目的,以此帮助我国实体经济发展。
[Abstract]:With the progress of Internet science and technology and the development of financial theory, P2P network lending has been born. Since its introduction into China in 2007, its Internet financial model has not only explosive development speed, but also many eye-popping problems. Many platforms were born and then disappeared, only a few can really succeed, so the reputation of the whole P2P loan industry is mixed in the hearts of investors. China's Internet finance is developing rapidly. Because of the special conditions of our country, the original P2P network loan model introduced to China is not plain sailing, but rather, it is somewhat difficult to accept. Therefore, in order to adapt to the Internet financial environment in China, The domestic P2P platforms have been transformed, and a series of P2P derivative models have emerged, such as P2B / P2N / FP2GFP2C and so on. P2N model is one of the most representative, specialized division of labor, platform and small loan companies and other functions, while reducing the operating costs of all parties to the cooperation, to achieve mutual benefit and win-win. Some platforms have achieved rapid development success through P2N mode, and others have been improperly managed due to various reasons. This article comprehensively grasps the domestic P2P industry present situation, including the management present situation and the external environment present situation, through the analysis and the research, seeks obtains P2N pattern to be able to develop the reason in China. In this paper, the representative successful P2N platform-PPmoney is selected for in-depth analysis, from its operating mode, profit model, wind control model and so on, with the recent development data of the company as evidence. Finally, the success of P2N network loan model represented by PPmoney is obtained, and the experience is summarized, the advice is provided, the deficiency is supplemented, and the purpose is to promote the healthy and orderly development of P2P network loan industry in our country, so as to help the real economy development of our country.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4
[Abstract]:With the progress of Internet science and technology and the development of financial theory, P2P network lending has been born. Since its introduction into China in 2007, its Internet financial model has not only explosive development speed, but also many eye-popping problems. Many platforms were born and then disappeared, only a few can really succeed, so the reputation of the whole P2P loan industry is mixed in the hearts of investors. China's Internet finance is developing rapidly. Because of the special conditions of our country, the original P2P network loan model introduced to China is not plain sailing, but rather, it is somewhat difficult to accept. Therefore, in order to adapt to the Internet financial environment in China, The domestic P2P platforms have been transformed, and a series of P2P derivative models have emerged, such as P2B / P2N / FP2GFP2C and so on. P2N model is one of the most representative, specialized division of labor, platform and small loan companies and other functions, while reducing the operating costs of all parties to the cooperation, to achieve mutual benefit and win-win. Some platforms have achieved rapid development success through P2N mode, and others have been improperly managed due to various reasons. This article comprehensively grasps the domestic P2P industry present situation, including the management present situation and the external environment present situation, through the analysis and the research, seeks obtains P2N pattern to be able to develop the reason in China. In this paper, the representative successful P2N platform-PPmoney is selected for in-depth analysis, from its operating mode, profit model, wind control model and so on, with the recent development data of the company as evidence. Finally, the success of P2N network loan model represented by PPmoney is obtained, and the experience is summarized, the advice is provided, the deficiency is supplemented, and the purpose is to promote the healthy and orderly development of P2P network loan industry in our country, so as to help the real economy development of our country.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4
【参考文献】
相关期刊论文 前10条
1 张海洋;;信息披露监管与P2P借贷运营模式[J];经济学(季刊);2017年01期
2 马强;王军;;我国P2P网络借贷行业的现状、困境和未来[J];财经科学;2016年08期
3 李鑫;;金融监管与中国P2P网贷的发展及异化[J];财经科学;2016年05期
4 刘绘;沈庆R，
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