第三方交易平台的网络借贷模式及其信用机制研究

发布时间：2018-01-02 04:05

本文关键词：第三方交易平台的网络借贷模式及其信用机制研究　出处：《中央财经大学》2016年博士论文　论文类型：学位论文

【摘要】：随着互联网金融的蓬勃发展,与之极为相关的信用问题已经成为影响其众多模式运行和发展的重要所在。在传统银企借贷关系中,对于企业的信用评价多依赖于企业财务信息,然而对于小微企业而言,很难向银行提供有效的财务报表及相关企业财务信息,从而造成了小微企业融资难。另外,随着信息技术和企业信息化的不断发展,电子商务企业在网络交易过程中积累了海量的数据,凭借大数据应用,第三方电子商务服务商推出的“网络融资”逐渐被广大小微企业所接受,并为小微企业融资提供了一个新的平台和模式。电子商务市场繁荣发展,大量交易资金和交易信息的积累与沉淀,加速了第三方交易平台除了为企业与消费者提供商品交易与交流等服务外,进一步拓展企业与消费者资金融通服务的功能。在国内电子商务迅速发展的情况下,电子商务交易环境的实时与动态,第三方交易平台对非财务信息以及企业经营的动态信息积累,以及平台对企业交易用信用评价体系都为小微企业借助于第三方交易平台实现其网络融资提供了便利条件。本论文的研究,力图在学者们对互联网金融模式之一----第三方交易平台的网络借贷模式及其运行机制研究的基础上,通过文献阅读、案例研究、博弈分析与数理建模等方法对其有效运行依存的信用机制进行理论阐述,并对相关信用机制对网络借贷模式的影响作用及作用机理进行了相应的建模与数理推导研究。首先,从厘清第三方交易平台的网络借贷运行模式入手;然后,透视典型网络借贷模式的运行机理及其信用机制;最后,以电子商务平台上小微企业的交易记录、社交行为数据以及第三方交易平台的信用评价体系为切入点,对第三方交易平台的网络借贷模式下的企业信用评价机制、信用信息共享机制以及担保机制和起源于传统联保贷款的网络联保贷款模式等进行了建模研究,以期通过对小微企业网络借贷模式制度安排进行改进和局部优化来达到提高第三方交易平台的网络借贷在解决网络小微企业融资运行效率之目的。论文的选题来自于国家自然科学基金项目“面向小微企业的电子商务交易平台融资模式与策略研究(编号:71272234)”的部分研究内容。论文的主要工作和创新点有以下几个方面:1.第三方交易平台的网络借贷模式分析。对第三方交易平台的网络借贷模式从贷款抵押方式、贷款担保方式以及贷款资金来源三个方面进行了详细分类,并对各种模式的运行机制进行借助于图形工具进行了理论分析与归纳总结。2.第三方交易平台的网络借贷模式的信用机制研究。通过对第三方网络融资的模式和运行机制分析找到其内在运行机理是源于第三方交易平台交易信息以及交易信用的积累。另外,应用数理推导对网络借贷模式的信用机制在防范由于信息不对称引发的道德风险的作用机理进行理论验证。3.第三方交易平台的网络借贷模式信用模型研究。本部分应用了信息经济学的主要分析方法博弈论,对论文关注的几个研究问题:(1)网络信用评价体系对网络借贷企业声誉的影响问题;(2)“银行”-“电商”在网络借贷合作过程中的道德风险问题;(3)基于在线的供应链贷款模式借助于电商平台的信用信息与反担保机制为小微企业开辟了新的融资渠道;(4)网络联保贷款模式中电商平台的作用机理问题;分别进行相关的博弈分析。以期能为健全和完善第三方交易平台的网络借贷模式理论研究体系提供一些有益的补充。
[Abstract]:With the rapid development of Internet banking, and extremely credit related problems have become an important influence where many of its mode of operation and development. In the traditional bank lending relationship, for enterprise credit evaluation depends on the enterprise's financial information, but for Small and micro businesses, it is difficult to provide financial statements and related financial information effective to banks, resulting in Small and micro businesses financing. In addition, with the development of information technology and enterprise information, e-commerce enterprises have accumulated vast amounts of data in the network transaction process, with big data applications, the third party e-commerce service providers to launch the "network financing" gradually by the Small and micro businesses accepted, and for Small and micro businesses financing provides a new platform and mode. The electronic commerce market prosperity and development, accumulation and precipitation of a large number of transactions and capital transaction information, Accelerate the third party trading platform in addition to the enterprises and consumers to provide commodity trading and exchange and other services, to further expand the business and consumer financing services. With the rapid development of the domestic electronic commerce case, real-time and dynamic environment of e-commerce transactions, the third party trading platform of non financial information and business information dynamic the accumulation and trading platform of the enterprise credit evaluation system for Small and micro businesses with the help of third party trading platform for financing the network provides convenient conditions. The research of this paper, in order to one of the Internet Financial Model -- Research Network lending model and operating mechanism of the third party trading platform on the basis of scholars, through literature review, case study, game analysis and mathematical modeling methods such as theoretical analysis on credit mechanism on its effective operation, and the The relevant credit lending model the influence mechanism on the effect and mechanism of modeling and mathematical research. First of all, starting from the network lending operation mode to clarify the third party trading platform; then, the operation mechanism of typical network lending model and perspective of credit mechanism; finally, the e-commerce platform Small and micro businesses. Transaction records, social behavior data and the third party trading platform credit evaluation system as the starting point, the network lending mode of third party trading platform under the enterprise credit evaluation system, the modeling of credit information sharing mechanism and guarantee mechanism and originated in the traditional group lending network loan mode, in order to Small and micro businesses lending model system arrangement is improved and local optimization to improve the third party trading platform network in solving the network of small loan The purpose of micro finance business efficiency. E-commerce trading platform financing mode and strategy research topic of this thesis comes from the National Natural Science Foundation Project "for the Small and micro businesses (No. 71272234)" part of the research. The main work and innovation points are as follows: the analysis of lending patterns 1. third trading platform. The third party trading platform lending model from the three aspects of mortgage loans, the loan guarantee way and sources of loan funds are classified in detail, and the operating mechanism of various modes of using graphical tools were analyzed and summarized the research mechanism of credit lending model.2. third party trading platform the third party network. Based on the analysis of financing mode and operation mechanism to find its internal operation mechanism is derived from the third party trading platform for information exchange And the accumulation of trade credit. In addition, the application of mathematical derivation of the network lending model of credit mechanism in the prevention of the credit model of network lending model because the mechanism of moral risk caused by information asymmetry of.3. proves the third party trading platform. The main game analysis method this part using the information economics theory, several research issues on paper attention: (1) the problem of network effects on the network lending credit evaluation system of corporate reputation; (2) the "bank" - "business" in the network lending cooperation in the process of the moral hazard problem; (3) online supply chain mode with the help of loan business platform of credit information and counter guarantee mechanism based on small and micro the enterprise has opened up new financing channels; (4) the mechanism problem of business platform network guarantee loan mode; analyze related game. In order to improve and perfect The third party trading platform provides some useful supplements to the theoretical research system of the network lending model.

【学位授予单位】：中央财经大学
【学位级别】：博士
【学位授予年份】：2016
【分类号】：F724.6;F274;F832.4

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