基于产业融合理论的农村金融电商模式研究

发布时间：2018-03-02 18:16

本文选题：产业融合　切入点：互联网+　出处：《浙江大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,农村金融电商这片“蓝海”风起云涌。浙江辖内农村银行机构双线联动,通过线上发展电商平台、线下纷纷开设农村金融综合服务站,探索并催生出“互联网+农村金融”的新业态。然而银行在推行过程中,未能找到一种运营盈利模式使得符合其自身未来发展,推广平台业务遇到瓶颈。论文主要阐释了产业融合理论的演变发展以及特点特征,并从产业融合理论角度,以农村小法人机构的发起为例,分析了互联网和农村金融相互融合的阶段。通过调研浙江省辖内农村金融电商平台,提出了农村“金融-电商”封闭环模型,并增加了风险评估分析控制中心环节,进一步优化了模型。着重分析了此模型下银行环接信息流和资金流的盈利模式以及风控模式,同时以数据仿真对其前景做出了预估,论证了该盈利模式和风控模式具有可持续性,以资新业态的监管借鉴。
[Abstract]:In recent years, the "blue sea" of rural financial ecommerce has been surging. Rural banking institutions in Zhejiang Province have developed e-commerce platforms through the development of online e-commerce platforms, and have set up integrated rural financial services stations below the line one after another. Exploring and spawning a new form of "Internet rural finance". However, in the course of implementation, the banks failed to find an operating profit model that would conform to their own future development. The paper mainly explains the evolution, development and characteristics of the theory of industrial convergence, and takes the initiation of rural small legal institutions as an example from the angle of the theory of industrial convergence. This paper analyzes the phase of the integration of Internet and rural finance. By investigating the rural financial ecommerce platform under the jurisdiction of Zhejiang Province, the closed loop model of rural "finance-ecommerce" is put forward, and the central link of risk assessment analysis and control is added. Furthermore, the model is optimized. The profit model and risk control mode of information flow and capital flow are analyzed, and the prospect of the model is predicted by data simulation. It is proved that the profit model and wind control model are sustainable and can be used for reference.
【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;F323.7

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