本文選題：P2P融資模式 + 現(xiàn)狀��； 參考：《電子科技大學(xué)》2012年碩士論文

【摘要】：P2P融資模式在上世紀(jì)八十年代起源于英國(guó)，之后在以美國(guó)得到迅速發(fā)展，2005年以后，在我國(guó)快速興起，成為第三方金融服務(wù)的新模式。P2P融資模式的英文原意是“Peer-to-Peer lending”，中文意思是點(diǎn)對(duì)點(diǎn)或稱個(gè)人對(duì)個(gè)人的民間借貸業(yè)務(wù)。 P2P融資模式通過(guò)出借人與貸款人直接接觸的方式，一方面解決了部分中小企業(yè)或者個(gè)人的融資需求問(wèn)題，另一方面為投資人提供了不同于銀行理財(cái)產(chǎn)品、證券市場(chǎng)投資的新型理財(cái)產(chǎn)品。 本文主要描述了P2P融資模式的現(xiàn)狀、歷史沿革、經(jīng)營(yíng)模式，在此基礎(chǔ)上對(duì)其進(jìn)行經(jīng)濟(jì)學(xué)分析，然后對(duì)P2P融資模式產(chǎn)生的原因進(jìn)行實(shí)證研究和案例研究，最后對(duì)P2P融資模式在我國(guó)的未來(lái)發(fā)展前景進(jìn)行分析。 本文主要觀點(diǎn)是： （1）P2P融資模式是我國(guó)正規(guī)金融體系不能滿足個(gè)人或小微企業(yè)融資需求及居民投資需求情況下出現(xiàn)的一類金融模式創(chuàng)新。 （2）P2P融資模式的出現(xiàn)本質(zhì)上是市場(chǎng)自發(fā)自由交易形成的結(jié)果，其具有存在的內(nèi)在合理性和民眾基礎(chǔ)，政府部門(mén)不能輕易否定或者取締。 （3）P2P融資模式中的中介公司起到了原始金融中介的作用，一定程度上解決了金融交易過(guò)程中所出現(xiàn)的逆向選擇問(wèn)題和道德風(fēng)險(xiǎn)問(wèn)題。 （4）P2P融資模式的發(fā)展前景尚不明朗，需要進(jìn)一步思考。 本文創(chuàng)新主要體現(xiàn)在： （1）所研究的問(wèn)題，目前學(xué)者研究較少，，屬于主題新穎； （2）運(yùn)用經(jīng)濟(jì)學(xué)原理對(duì)P2P融資模式存在原因進(jìn)行了簡(jiǎn)單分析； （3）用了BSF公司第一手調(diào)查數(shù)據(jù)，數(shù)據(jù)來(lái)源較為新穎。
[Abstract]:P2P financing model originated in Britain in 1980s, then developed rapidly in America. After 2005, P2P financing mode became a new model of third-party financial services. The original meaning of P2P financing mode is "Peer-to-Peer lending". Peer-to-peer private lending business. P2P financing model solves the financing needs of some small and medium-sized enterprises or individuals through direct contact between lenders and lenders. On the other hand, it provides investors with new financial products which are different from bank financial products and investment in securities market. This paper mainly describes the current situation, historical evolution, business model of P2P financing mode, and then carries on the economic analysis to it, and then carries on the empirical research and the case study to the P2P financing pattern origin reason. Finally, the future development prospect of P2P financing model in China is analyzed. The main points of this paper are as follows: the P2P financing model is a kind of financial model innovation that the formal financial system of our country can not meet the financing needs of individuals or small and micro enterprises and the investment needs of residents. The emergence of the capital model is essentially the result of the spontaneous and free trading of the market. Because of its inherent rationality and popular basis, government departments cannot easily deny or ban it. The intermediary companies in the P2P financing model have played the role of original financial intermediaries. The problem of adverse selection and moral hazard appeared in the process of financial transaction is solved to a certain extent. The development prospect of P2P financing model is not clear and needs further consideration. The innovation of this paper is mainly reflected in: (1) the problems studied by scholars are relatively few at present, and they belong to a novel subject; (2) the reasons for the existence of P2P financing mode are simply analyzed by using the economic principle; BSF first-hand survey data, data sources are relatively novel.
【學(xué)位授予單位】：電子科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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本文編號(hào)：2015673