【摘要】：本文主要對瑞安資本集團互聯網金融發(fā)展建設路徑進行了分析與梳理,目標是幫助瑞安資本集團構建互聯網金融建設發(fā)展模型,指導瑞安資本集團進一步推進互聯網金融建設,找到合理可行的發(fā)展方向,規(guī)避風險。目前國內市場上很多小微金融機構與瑞安資本集團具有一定的共性,本文可以為同類型的小微金融機構進行互聯網金融建設提供一個參考模型。本文是對瑞安資本集團互聯網金融建設的模型構建研究,共分為六章。第一章緒論,闡述了本文的研究背景、研究目的和互聯網金融研究現狀。第二章簡介了互聯網金融的基礎概念和運營模式。第三章簡介了瑞安資本集團的互聯網金融建設現狀并提出集團互聯網金融建設構想,瑞安資本集團的互聯網金融建設需要通過信息化建設和電子商務平臺建設來實現。第四章構建了瑞安資本集團信息化建設模型。第五章分析了瑞安資本集團的電子商務平臺建設路徑,構建了瑞安資本集團P2P網貸平臺的建設模型。第六章結論,總結了瑞安資本集團進行信息化建設和電商平臺建設的意義和建設模型,并對瑞安資本集團互聯網金融建設提出了改進建議。本文在第二章和第三章采用了文獻研究法,對謝平的《互聯網金融手冊》、羅明雄的《互聯網金融》,《瑞安資本集團2012-2017戰(zhàn)略發(fā)展規(guī)劃》進行了文獻研究,并將文獻主要觀點進行了總結,論文引述了以上文獻成果,為作者詳細了解和展示瑞安資本集團的互聯網金融建設全面打下了基礎。本文在第五章和第六章采用跨學科研究法,分別運用了信息技術知識、互聯網金融理論、企業(yè)發(fā)展戰(zhàn)略方法等對瑞安資本集團的互聯網金融建設進行了分析,幫助作者詳細展示了瑞安資本集團的互聯網金融全部面貌。本文在第六章采用案例研究法和對比研究法,比較了國內P2P兩個典型案例拍拍貸和宜信的相同和不同之處,構建瑞安資本集團P2P網貸平臺建設模型,從而為瑞安資本集團設計出O2O+本地擔保的新型P2P網貸模式。本文通過對瑞安資本集團互聯網金融建設路徑的分類整理,與當前的互聯網金融理論相結合,指出瑞安資本集團建設互聯網金融的兩大路徑:建設企業(yè)信息化和建設P2P網貸平臺。文中幫助瑞安資本集團構建了企業(yè)信息化建設模型,指出建設客戶資源層、業(yè)務管理層、決策分析層、平臺支持層的四級信息系統(tǒng)管理架構是瑞安資本集團信息化建設的合理路徑。本文也對瑞安資本集團電商平臺的建設進行了分析,指明了P2P+O2O+本地擔保才是瑞安資本集團電商平臺發(fā)展的最佳選擇。
[Abstract]:This paper mainly analyzes and combs the path of the development and construction of Internet finance of Ryan Capital Group. The aim is to help Ryan Capital Group to construct the development model of Internet finance construction and to guide Ryan Capital Group to further promote the construction of Internet finance. Find a reasonable and feasible direction of development to avoid risk. At present, many small and micro financial institutions in the domestic market have certain commonalities with Ryan Capital Group. This paper can provide a reference model for the construction of Internet finance of the same type of small and micro financial institutions. This paper is a study on the model construction of Ryan Capital Group's Internet finance construction, which is divided into six chapters. The first chapter introduces the background, purpose and current situation of internet finance research. The second chapter introduces the basic concept and operation mode of Internet finance. The third chapter briefly introduces the current situation of Internet financial construction of Ryan Capital Group and puts forward the conception of Internet Finance Construction of Ryan Capital Group. The construction of Internet Finance of Ryan Capital Group needs to be realized through information construction and e-commerce platform construction. Chapter four constructs the information construction model of Ryan Capital Group. The fifth chapter analyzes the construction path of RyanCapital Group's e-commerce platform, and constructs the model of RyanCapital Group P2P network loan platform. The sixth chapter summarizes the significance and model of Ryan Capital Group's informatization construction and e-commerce platform construction, and puts forward some suggestions to improve the Internet financial construction of Ryan Capital Group. In the second and third chapters, the literature research method is used to study Xie Ping's Internet Finance Manual, Luo Mingxiong's Internet Finance, and Ryan Capital Group's 2012-2017 Strategic Development Plan. The main viewpoints of the literature are summarized, and the above results are quoted in the paper, which lays the foundation for the author to understand and demonstrate the Internet finance construction of Ryan Capital Group in detail. In the fifth and sixth chapters, the author analyzes the Internet finance construction of Ryan Capital Group by using the knowledge of information technology, the theory of Internet finance and the method of enterprise development strategy, respectively. Help the author to detail the full face of Ryan Capital Group's Internet finance. In the sixth chapter, the author compares the similarities and differences between PPDAI and Yi Xin, two typical domestic P2P cases, and constructs a P2P network loan platform construction model of Ryan Capital Group. As a result, Ryan Capital Group designed a new P2P network loan model with O 2 O local guarantee. This paper combines the current theory of Internet finance with the classification and arrangement of the Internet finance construction path of Ryan Capital Group. It points out that Ryan Capital Group has two main ways to build Internet finance: building enterprise informatization and constructing P2P network loan platform. This paper helps Ryan Capital Group to build the enterprise information construction model, and points out the construction of customer resource layer, business management layer, decision analysis layer, The four-level information system management structure of platform support layer is the reasonable path of information construction of Ryan Capital Group. This paper also analyzes the construction of RyanCapital Group's e-commerce platform, and points out that P2P O2O local guarantee is the best choice for the development of RyanCapital Group's ecommerce platform.
【學位授予單位】：河北大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F724.6;F832

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