我国电商平台互联网金融发展状况研究
发布时间：2019-05-18 23:20
【摘要】：伴随着时代的发展,传统金融与互联网的结合日趋紧密,互联网金融发展如火如荼。在互联网金融浪潮中,电商平台互联网金融可谓一枝独秀。相比于其他互联网金融模式,电商平台互联网金融具有参与金融业务广,服务客户数量多,金融创新力度大等特点,对传统金融思维习惯及服务模式造成了巨大影响,引起了整个社会的高度关注。电商平台互联网金融综合电子商务、互联网、金融等行业优势,较大程度上解决了线上支付中的信用违约、小微企业贷款难及个人理财服务同质化低效化等问题,较好地弥补了传统金融模式的缺陷。本文认为,电商平台互联网金融是互联网金融的重要组成部分,对其的研究有助于了解互联网金融模式的特点与优势,分析金融体制发展的方向。本文首先辨析了互联网金融的概念,指出互联网金融所体现的是服务模式上的创新,其本质上传统金融的数据化延伸。接下来,介绍了互联网金融形成及迅速发展的成因,认为其之所以产生,客观上是由于传统金融模式存在缺陷,为互联网金融的发展提供了广阔空间。主观上,则可分为由消费者行为习惯改变而形成的需求拉动型原因,及由信息技术的发展所提供的供给推动型原因两大方面。同时研究了互联网金融特点,指出其相对于传统金融模式而言,具有较大优势。在系统介绍互联网金融的基础上,本文着眼于电商平台互联网金融,首先从第三方支付、小额贷款、个人理财等三方面总结了电商平台开展的互联网金融业务,并以阿里巴巴、京东商城、腾讯三家电商为例,介绍了其发展历程及业务范围。之后,应用SWOT分析方法,详细分析了电商平台互联网金融模式的优势、劣势、机遇以及挑战。针对其自身所具有的劣势与面临的挑战,本文提出了相应政策性建议,并对电商平台互联网金融未来的发展做出了合理预测。
[Abstract]:With the development of the times, the combination of traditional finance and the Internet is becoming closer and closer, and the development of Internet finance is in full swing. In the wave of Internet finance, e-commerce platform Internet finance can be described as a unique show. Compared with other Internet financial models, e-commerce platform Internet finance has the characteristics of wide participation in financial business, large number of serving customers, strong financial innovation and so on, which has a great impact on traditional financial thinking habits and service models. It has aroused the great concern of the whole society. The advantages of e-commerce platform, Internet finance, finance and other industries have solved the problems of credit default in online payment, the difficulty of loans for small and micro enterprises and the homogenization and inefficiency of personal financial services to a large extent. It makes up for the defects of the traditional financial model. This paper holds that the Internet finance of e-commerce platform is an important part of Internet finance, and the research on it is helpful to understand the characteristics and advantages of the Internet financial model and analyze the direction of the development of the financial system. This paper first analyzes the concept of Internet finance, and points out that Internet finance embodies the innovation of service mode, which essentially extends the data of traditional finance. Next, it introduces the causes of the formation and rapid development of Internet finance, and holds that it is objectively due to the defects of the traditional financial model, which provides a broad space for the development of Internet finance. Subjectively, it can be divided into two aspects: the demand-driven reasons formed by the change of consumers' behavior and habits, and the supply-driven reasons provided by the development of information technology. At the same time, the characteristics of Internet finance are studied, and it is pointed out that it has great advantages over the traditional financial model. On the basis of systematic introduction of Internet finance, this paper focuses on Internet finance of ecommerce platform. Firstly, it summarizes the Internet financial business carried out by ecommerce platform from three aspects: third party payment, microloan and personal financial management, and takes Alibaba as the first step. JD.com Mall, Tencent three e-commerce as an example, introduced its development process and business scope. Then, the advantages, disadvantages, opportunities and challenges of the Internet financial model of e-commerce platform are analyzed in detail by using SWOT analysis method. In view of its own disadvantages and challenges, this paper puts forward the corresponding policy suggestions, and makes a reasonable prediction of the future development of Internet finance on the e-commerce platform.
【学位授予单位】：国际贸易经济合作研究院
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.2
本文编号：2480417
[Abstract]:With the development of the times, the combination of traditional finance and the Internet is becoming closer and closer, and the development of Internet finance is in full swing. In the wave of Internet finance, e-commerce platform Internet finance can be described as a unique show. Compared with other Internet financial models, e-commerce platform Internet finance has the characteristics of wide participation in financial business, large number of serving customers, strong financial innovation and so on, which has a great impact on traditional financial thinking habits and service models. It has aroused the great concern of the whole society. The advantages of e-commerce platform, Internet finance, finance and other industries have solved the problems of credit default in online payment, the difficulty of loans for small and micro enterprises and the homogenization and inefficiency of personal financial services to a large extent. It makes up for the defects of the traditional financial model. This paper holds that the Internet finance of e-commerce platform is an important part of Internet finance, and the research on it is helpful to understand the characteristics and advantages of the Internet financial model and analyze the direction of the development of the financial system. This paper first analyzes the concept of Internet finance, and points out that Internet finance embodies the innovation of service mode, which essentially extends the data of traditional finance. Next, it introduces the causes of the formation and rapid development of Internet finance, and holds that it is objectively due to the defects of the traditional financial model, which provides a broad space for the development of Internet finance. Subjectively, it can be divided into two aspects: the demand-driven reasons formed by the change of consumers' behavior and habits, and the supply-driven reasons provided by the development of information technology. At the same time, the characteristics of Internet finance are studied, and it is pointed out that it has great advantages over the traditional financial model. On the basis of systematic introduction of Internet finance, this paper focuses on Internet finance of ecommerce platform. Firstly, it summarizes the Internet financial business carried out by ecommerce platform from three aspects: third party payment, microloan and personal financial management, and takes Alibaba as the first step. JD.com Mall, Tencent three e-commerce as an example, introduced its development process and business scope. Then, the advantages, disadvantages, opportunities and challenges of the Internet financial model of e-commerce platform are analyzed in detail by using SWOT analysis method. In view of its own disadvantages and challenges, this paper puts forward the corresponding policy suggestions, and makes a reasonable prediction of the future development of Internet finance on the e-commerce platform.
【学位授予单位】：国际贸易经济合作研究院
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.2
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