我国社交金融商业模式及发展方式——以靠谱鸟和借贷宝为例

发布时间：2018-03-14 05:09

本文选题：信用质量　切入点：借款人　出处：《财务与会计》2017年06期 　论文类型：期刊论文

【摘要】：正2014年3月,我国第一家以社交关系为基础的P2P网络借贷平台——靠谱鸟在北京中关村成立。随后,熟信、借点儿、借贷宝、悄悄借等一批依托熟人圈子的P2P网站也先后上线。这些融资平台将金融交易建立在校友、朋友等关系基础上,以互联网技术为支撑。理论上,社交金融应提供比P2P网络贷款一般模式更为完善的信用风险解决方案和更有竞争力的交
[Abstract]:In March 2014, China's first peer-to-peer online lending platform based on social relations was established in Zhongguancun, Beijing. Peer-to-peer websites that quietly borrow and rely on the circle of acquaintances have also been launched. These financing platforms build financial transactions on the basis of relationships such as alumni, friends, and so on, supported by Internet technology. Social finance should provide a more comprehensive credit risk solution and more competitive delivery than the P2P network loan model
【作者单位】：北京邮电大学经济管理学院;
【基金】：" target="_blank">国家自然科学基金<71402008> %E3%80%81<2015JY72>%E7%9A%84%E6%94%AF%E6%8C%81" target="_blank"> 北京邮电大学教改项目<2015JY45>、<2015JY72>的支持
【分类号】：F832.4;F724.6

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