橙天金融P2P模式研究

发布时间：2018-03-22 23:40

本文选题：P2P网络借贷　切入点：互联网金融　出处：《浙江大学》2017年硕士论文　论文类型：学位论文

【摘要】：互联网金融结合互联网技术和金融业务成为当今的热点,主流上它可以划分成第三方支付、P2P网络借贷、众筹、第三方金融平台、大数据金融和传统金融业务的互联网化等六种模式,其中,P2P网络借贷是互联网金融中较为流行的一种模式,它对我国的普惠金融和中小企业融资做出了较大贡献。近几年来,我国的P2P网络借贷不管在模式发展还是在监管政策上都在不断完善中,在与国际接轨的同时也慢慢显示出自己的特色。本文的主要内容分为五个部分:首先,本文会对互联网金融包括P2P借贷的背景进行介绍,并对论文的主要研究内容和创新点进行分析;其次,本文会对互联网金融和P2P行业进行详细介绍,包括互联网金融的内涵及监管、P2P行业的发展现状和特点以及P2P行业发展前景等;接着,本文将通过对国内外不同P2P公司的分析来获取其异同点,国内的平台包括拍拍贷、陆金所、宜信P2P平台等,国外的有英国的Zopa、Funding Circle和美国的Prosper、Lending Club;然后,本文将着重展开对研究对象橙天金融的分析,包括它的公司介绍、产品分析、P2P模式研究、重要的机制研究和特点分析;最后,本文会对橙天金融的P2P模式进行优劣势评价分析,并提出相应的意见和建议,得出结论。本文的研究对象橙天金融服务外包公司是一个集纯中介模式、担保抵押模式、020模式、以及P2B模式为一体的P2P网络借贷平台,它与第三方支付平台"汇付天下"以及第三方仓储物流公司浙江润通物流有限公司合作,前者作为托管方,隔离投资人和借款人资金与平台自有资金,后者则对橙天金融的动产进行专业运输和保管。橙天金融具有"仓储金融"和转让市场机制等特色。但是,公司也存在对抵押物要求较高、产品利率优势不明显以及易受系统性风险的影响等问题。所以,研究橙天金融的P2P借贷模式对公司自身和整个P2P行业都有积极意义。
[Abstract]:Internet finance, combined with Internet technology and financial services, has become a hot spot today. In the mainstream, it can be divided into third-party payment, P2P network lending, crowdfunding, and third-party financial platforms. There are six models of big data finance and traditional financial business, such as Internet, among which P2P network lending is a popular mode in Internet finance. It has made great contributions to the inclusive finance and the financing of small and medium-sized enterprises in China. In recent years, The P2P network loan of our country is in the process of perfecting both in the mode development and in the supervision policy, and gradually shows its own characteristics while connecting with the international standard. The main content of this paper is divided into five parts: first of all, This paper will introduce the background of Internet finance, including P2P lending, and analyze the main research contents and innovation points. Secondly, this paper will introduce the Internet finance and P2P industry in detail. Including the connotation of Internet finance and supervision of P2P industry development status and characteristics, as well as P2P industry development prospects; then, this paper will through the analysis of different P2P companies at home and abroad to obtain the similarities and differences, domestic platforms including PPDAI, Lufax, Yixin P2P platform, etc., abroad include ZopaA funding Circle of Britain and Prosperan Lending Club.Then, this paper will focus on the analysis of Orange Financial Research object, including its company introduction, product analysis and P2P model research. Finally, this paper will evaluate and analyze the advantages and disadvantages of Orange Financial P2P model, and put forward the corresponding opinions and suggestions. The research object of this paper is Orange Financial Services Outsourcing Company, which is a P2P network lending platform which integrates pure intermediary model, guarantee mortgage model, and P2B model. It works with the third-party payment platform "remittance world" and the third-party warehousing logistics company Zhejiang Runtong Logistics Co., Ltd., the former acting as custodian, separating investors and borrowers from the platform's own funds, The latter carries out professional transportation and custody of Orange Financial's movable property. Orange Financial has the characteristics of "warehousing finance" and transfer market mechanism. However, companies also have higher requirements for collateral. The advantages of product interest rate are not obvious and vulnerable to systemic risk. Therefore, it is of positive significance to study the P2P lending model of Orange Financial for the company itself and the whole P2P industry.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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