基于促进农村经济发展的P2P网贷平台研究

发布时间：2018-01-09 19:18

本文关键词：基于促进农村经济发展的P2P网贷平台研究　出处：《浙江海洋大学》2017年硕士论文　论文类型：学位论文

【摘要】：P2 P金融亦称之为互联网借贷,其定义为:众多节点在广泛的网络环境中引申出的金钱借贷关系,通常为个人之间的业务往来。p2p网贷完成贷款的渠道是互联网平台,当平台确认了贷款交易关系就可以处理相关交易手续。通常而言,借贷者将其贷款资金与还款日期等借贷信息公布出来。p2p网贷由四类经营方式构成:第一类为平台是根据担保交易;第二类为基于P2P的债权合同转让;第三类为大型金融集团所属互联网金融服务平台;第四类为基于交易参数为中心,构建综合交易平台,它重点是线下商务整合互联网。当今移动互联网时代得到不断发展,处于大力加强电子商务与网络支付这一模式下,由此环境下开始诞生了网络金融借贷这一现代化的新型平台。传统金融模式的交易方式具有诸多弊端,很难适应快速发展的现代金融需求。一定程度上阻碍了经济发展步伐,因此,急需一种有效的方式来应对这一供需缺口,随即衍生了网贷平台,这是大部分缺乏资金的小型企业积极有效寻求投资资金的高效渠道。随着中国全面实施改革开放的伟大创举,也推动了农村金融的创新与革新。国务院在17年下发的文件中明确提到,加速互联网技术运用到金融机构中,特别是为农业经营户制定相应的金融扶持政策,如保险、小额贷款等。另外,经常性倡导移动互联网等方面的金融业务全力在农村推行起来。中国乡村经济这一要素也被视为构成经济总体的关键,根据相关数据显示,农民收入占据全国总收入的比重呈现逐渐上升的趋势。中国农民的生活水平的提升与生活环境的稳定将依赖于其经济的增长水平。由于我国农村经济的发展较为缓慢,农村享受的国家资源制度明显存在较大的价值偏差,大部分资金得不到固定的产品投资,这也是农村现有发展资金弊端的直接原因。本论文围绕p2p金融的涉农平台展开了系统性的研究,首先对农村经济的供应与需求双方的经济进行了全方位分析,对构建涉农平台的健全性展开了多维度的探究,以便寻求有效的方式实现农村农业项目的融资,从而达到推动其经济快速提升的目的。
[Abstract]:P2P Finance, also known as Internet lending, is defined as the money lending relationship that many nodes extend in a wide network environment. The Internet platform is the channel through which the loan is usually made for business transactions between individuals. When the platform confirms the loan transaction relationship, it can handle the relevant transaction procedures. Generally speaking. Loan information such as loan funds and repayment dates are published by borrowers. P2P net loans are made up of four kinds of business modes: the first is the platform based on secured transactions; The second is the assignment of creditor's rights contract based on P2P; The third is the Internet financial service platform of large financial groups; Class 4th is based on transaction parameters to build a comprehensive trading platform, which focuses on offline business integration of the Internet. Today's mobile Internet era has been continuously developed. Under the mode of strengthening electronic commerce and network payment, the network finance loan is a new modern platform. There are many disadvantages in the traditional financial mode. It is very difficult to adapt to the rapid development of modern financial needs. To some extent, it has hindered the pace of economic development. Therefore, an effective way to deal with this gap between supply and demand is urgently needed. This is an efficient channel for most small enterprises that lack capital to actively and effectively seek investment funds. It has also promoted the innovation and innovation of rural finance. The State Council explicitly mentioned in the document issued in the next 17 years that the application of Internet technology to financial institutions should be accelerated, especially the formulation of corresponding financial support policies for agricultural operators. Such as insurance, small loans and so on. In addition, the frequent advocacy of mobile Internet and other aspects of financial services in rural areas to promote. China's rural economy this element is also considered to constitute the overall economic key. According to the relevant data. The proportion of peasants' income to the total income of the whole country is rising gradually. The improvement of living standard and the stability of living environment of Chinese farmers will depend on the growth level of their economy. Slow. The national resource system of rural enjoyment obviously has a big value deviation, most of the funds can not be fixed product investment. This is also the direct cause of the drawbacks of the existing rural development funds. This paper has carried out a systematic study around the agricultural platform of P2P finance. First of all, the supply and demand of the rural economy of both the economy of the all-round analysis, the construction of a platform for agricultural integrity of the multi-dimensional exploration, in order to find an effective way to achieve the financing of rural agricultural projects. In order to achieve the purpose of promoting its rapid economic upgrading.
【学位授予单位】：浙江海洋大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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