互联网普惠金融模式研究
发布时间：2018-11-04 20:48
【摘要】：普惠金融主旨是能全面的为社会全部阶层和群体提供有效的金融服务。发展我国普惠金融体系,是深化金融体制改革、完善现代金融系统、支持实体经济的必由之路。随着互联网金融的快速发展,普惠金融和互联网金融在我国逐渐相互结合,由于两者的理念和形式具有一致性,借助互联网金融的大规模普及,普惠金融获得了迅速发展。本文立足于普惠金融的基本理论,结合目前互联网金融发展的现状,对互联网金融中较能体现普惠金融的四种模式进行详细研究。首先,本文对互联网金融和普惠金融的相关理论与研究成果进行了总结,得出了互联网金融必将取代小额信贷成为普惠金融主要形式的结论;随后通过回顾我国普惠金融的发展历史,分析发展现状,将普惠金融模式创新发展过程分为四个阶段,并根据各模式的特征对目前互联网金融的四种主要模式进行了划分。之后本文对各模式进行深入分析,展示各模式的内涵及优势,探讨了众筹和P2P网贷两种模式发展中的问题并提出了对策建议;阐述了第三方支付模式的普惠意义;总结了在线理财服务模式的各种创新形式和未来的发展趋势。最后,在上述研究的基础上指出互联网普惠金融各模式未来必然会相互逐渐融合,并提出了行业发展的建议。
[Abstract]:Inclusive finance aims to provide effective financial services to all social strata and groups. Developing China's inclusive financial system is the only way to deepen the reform of the financial system, perfect the modern financial system and support the real economy. With the rapid development of Internet finance, inclusive finance and Internet finance are gradually combined in our country. With the help of the large-scale popularization of Internet finance, inclusive finance has developed rapidly because of the consistency of their concepts and forms. Based on the basic theory of inclusive finance and the current situation of Internet finance, this paper makes a detailed study on four models of inclusive finance. First of all, this paper summarizes the related theories and research results of Internet finance and inclusive finance, and concludes that Internet finance will replace microfinance as the main form of inclusive finance. Then, by reviewing the development history of inclusive finance in China and analyzing the present situation, the innovation and development process of inclusive finance model is divided into four stages, and the four main models of Internet finance are divided according to the characteristics of each model. After that, this paper makes a deep analysis of each model, demonstrates the connotation and advantages of each model, discusses the problems in the development of the two modes of crowdfunding and P2P network loan, and puts forward some countermeasures and suggestions, and expounds the significance of the third-party payment mode. This paper summarizes all kinds of innovative forms and future development trend of online financing service mode. Finally, on the basis of the above research, the author points out that the models of Internet inclusive finance will inevitably merge with each other in the future, and puts forward some suggestions for the development of the industry.
【学位授予单位】：北京建筑大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832
本文编号：2311092
[Abstract]:Inclusive finance aims to provide effective financial services to all social strata and groups. Developing China's inclusive financial system is the only way to deepen the reform of the financial system, perfect the modern financial system and support the real economy. With the rapid development of Internet finance, inclusive finance and Internet finance are gradually combined in our country. With the help of the large-scale popularization of Internet finance, inclusive finance has developed rapidly because of the consistency of their concepts and forms. Based on the basic theory of inclusive finance and the current situation of Internet finance, this paper makes a detailed study on four models of inclusive finance. First of all, this paper summarizes the related theories and research results of Internet finance and inclusive finance, and concludes that Internet finance will replace microfinance as the main form of inclusive finance. Then, by reviewing the development history of inclusive finance in China and analyzing the present situation, the innovation and development process of inclusive finance model is divided into four stages, and the four main models of Internet finance are divided according to the characteristics of each model. After that, this paper makes a deep analysis of each model, demonstrates the connotation and advantages of each model, discusses the problems in the development of the two modes of crowdfunding and P2P network loan, and puts forward some countermeasures and suggestions, and expounds the significance of the third-party payment mode. This paper summarizes all kinds of innovative forms and future development trend of online financing service mode. Finally, on the basis of the above research, the author points out that the models of Internet inclusive finance will inevitably merge with each other in the future, and puts forward some suggestions for the development of the industry.
【学位授予单位】：北京建筑大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832
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