中国P2P借贷平台发展及对越南的借鉴研究

发布时间：2018-01-14 04:01

本文关键词：中国P2P借贷平台发展及对越南的借鉴研究　出处：《青岛大学》2017年博士论文　论文类型：学位论文

【摘要】：近年来,快速发展的P2P网贷平台已成为互联网金融的重要组成部分。P2P借贷平台具有借贷业务简化、快速、效率高、成本低、收益可观等特点,因此,P2P网贷平台吸引了大量投资者和借款者的关注和参与。P2P网络借贷市场的金融模式已经传到全球很多国家的金融行业,并逐步发展起来。2000年,越南加入WTO,越南政府承诺在2018年进一步加大越南金融市场的对外开放,届时,P2P网贷公司进入越南金融市场的机会将更大。通过研究中国P2P借贷行业的发展特点和中国监管部门对P2P行业的监管政策,结合越南的经济发展条件,分析了P2P借贷平台在越南发展的可行性,给出P2P借贷平台在越南发展的可行路径及其基本思路,并在此基础上为越南监管部门提供有效的政策建议。首先,分析研究了P2P网贷平台在中国和欧美国家的发展情况。通过分析中国、英国、美国和其他国家的P2P网络借贷行业的发展概况可以看出,P2P网贷行业在世界范围内发展迅速。其次,对越南的经济特点进行分析研究,针对越南金融市场体系存在的矛盾和问题,以及越南信息基础设施的建设情况、互联网的普惠情况,结合越南国民经济发展及市场需求情况,研究提出越南发展P2P网贷平台的若干关键要素。第三,从越南的金融市场情况和越南的金融法律制度出发,提出P2P网络借贷在越南的发展路径。研究认为,越南的商业银行想居于金融行业的领头地位,必须要主动改变自己,接受新技术、新业务,积极参与P2P网贷业务的发展,确定进入P2P网贷行业的发展模式,分析进入的优劣势,以便更全面的评估P2P网贷平台在越南发展业务的可行性。在分析进入P2P网贷行业优势和劣势的过程中,可以发现,在越南发展新型金融业务具有比较优势,P2P网贷平台不仅能够充分发挥金融行业的核心优势,还能发挥互联网科技发展的优势。通过波特五力模型对商业银行涉足P2P领域进行可行性分析,比较分析在五种不同的力量下,商业银行的P2P网贷业务是否具有利润潜力。通过以上的分析研究得到越南商业银行涉足P2P领域可行性较高的结论。也就是说,P2P网贷平台如果进入越南金融市场是完全可行的。第四,通过研究中国和欧美国家对P2P网络借贷行业的监督管理模式及中国政府出台的监管法律法规,用演化博弈论模型分析互联网金融业务中P2P平台、监管者和第三方担保者三者之间的关系。结合越南的经济情况和金融市场的特点,为越南政府未来对P2P网络借贷行业进行有效监管提出对策建议。即政府监管部门为了提高监管效果,一方面可以采取管理措施鼓励P2P网络借贷市场进行行业自律,另一方面,可以采取有效措施出台法律法规来提高管理效果。根据不同P2P网络借贷平台自律水平的不同,按实际情况进行分类,针对不同情况实施不同监管策略。
[Abstract]:In recent years, the rapid development of P2P network lending platform has become an important part of Internet finance. P2P lending platform has the characteristics of simple, fast, high efficiency, low cost, considerable income and so on. P2P lending platform has attracted a large number of investors and borrowers to pay attention to and participate in the P2P network lending market financial model has spread to many countries around the world financial industry, and gradually developed. 2000. Vietnam joined the WTO and the Vietnamese government promised to further open its financial markets to the outside world on 2018. P2P lending companies will have greater opportunities to enter the Vietnamese financial market. By studying the development characteristics of P2P lending industry in China and the regulatory policies of Chinese regulatory authorities on P2P industry. Combined with Vietnam's economic development conditions, this paper analyzes the feasibility of P2P lending platform development in Vietnam, and gives the feasible path and basic ideas of P2P lending platform development in Vietnam. And on this basis to provide effective policy recommendations for the Vietnamese regulatory authorities. First of all, the development of P2P network lending platform in China and Europe and the United States. Through the analysis of China, the United Kingdom. The development of P2P network lending industry in the United States and other countries can be seen that the P2P network lending industry has developed rapidly in the world. Secondly, the economic characteristics of Vietnam are analyzed and studied. In view of the contradictions and problems in Vietnam's financial market system, the construction of information infrastructure in Vietnam, the inclusive situation of the Internet, combined with the development of the national economy and market demand in Vietnam. The research puts forward some key elements of developing P2P network loan platform in Vietnam. Thirdly, starting from Vietnam's financial market situation and Vietnam's financial legal system. Proposed P2P network lending in Vietnam's development path. The study believes that Vietnam's commercial banks want to occupy the leading position in the financial industry, we must take the initiative to change themselves, accept new technology, new business. Actively participate in the development of P2P network loan business, determine the development model of entering P2P network loan industry, analyze the advantages and disadvantages of entering. In order to evaluate the feasibility of P2P network loan platform in Vietnam to develop business. In the analysis of the advantages and disadvantages of P2P network lending industry, we can find out. Developing new financial business in Vietnam has a comparative advantage. P2P network loan platform can not only give full play to the core advantages of the financial industry. It can also play the advantage of the development of Internet science and technology. Through Porter's five-force model to analyze the feasibility of commercial banks involved in P2P field, the comparative analysis in five different forces. Commercial banks' P2P network lending business has profit potential. Through the above analysis and research, the Vietnamese commercial banks involved in the P2P field is more feasible. That is to say. P2P network lending platform if entering the Vietnamese financial market is completely feasible. 4th, through the study of China and Europe and the United States on the P2P network lending industry supervision and management model and the Chinese government issued regulatory laws and regulations. This paper uses evolutionary game theory model to analyze the relationship among P2P platforms, regulators and third-party guarantors in Internet financial services, combining the economic situation of Vietnam and the characteristics of financial markets. For the Vietnamese government in the future to the P2P network lending industry effective regulation countermeasures and recommendations, that is, the government regulatory authorities in order to improve the regulatory effect. On the one hand, we can take management measures to encourage P2P network lending market to self-discipline, on the other hand. Effective measures can be taken to improve the management effect. According to the different self-discipline level of P2P network lending platform, according to the actual situation classification, according to different circumstances to implement different regulatory strategies.
【学位授予单位】：青岛大学
【学位级别】：博士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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