摘要
目前中国已迈入经济新常态发展阶段,以内需为消费主导的结构性转变不断催生新业态,互联网电商与金融、物联网、大数据分析等与高科技跨界、融合的领域迅速崛起。江西作为内陆欠发达省份,加快结构转型升级,抢抓内需扩大的P2P网络借贷市场份额,突破中小微企业融资难题是现实的必然选择。本文试图提出一个互联网金融模式P2P发展研究构架思路:以江西目前运行较好且具典型性的P2P平台作为研究对象,分别对其P2P平台的基本运作模式和主要参数、资金端与资产端对接、风险控制模式进行比较,阐释线上与线下结合的O2O模式或将成为江西P2P行业未来发展的最佳选择。互联网金融平台与金融机构平台都应根据各自优势实施发展谋变战略,风险资产定价能力将是平台未来发展的核心竞争力,科学的风险监管应成为P2P平台健康发展的重要前提。
China has entered the ＂new normal＂ of economic development stage. The structural transform of domestic consumption-led continuously generates new industry status. The combination of electronic commerce and high technology, such as finance, internet of things and big data analysis, has achieved great progress. It is the necessary choice of reality for Jiangxi, as an inland province, to accelerate transformation and upgrade of domestic demands, to enlarge the P2P network lending market share and to break the financing problem of SMEs. This paper tries to propose a framework of the P2P development of in- ternet banking model. By taking some better and representative P2P platforms in Jiangxi as the research objects, it makes the comparisons in basic operation mode, main parameters, connection of funds and assets, and risk control mode respec- tively, and puts forward that the 020 with online and offline combination will be the best choice for the future development of Jiangxi P2P industry. Internet banking platforms and financial institutions should implement the development strategy in accordance with their respective advantages. The risk asset pricing ability will be the core competitiveness of the future de- velopment of the platform, and scientific risk management should beeome an important premise of the healthy development of P2P platform.
出处
《企业经济》
北大核心
2015年第10期93-96,共4页
Enterprise Economy
基金
国家社会科学基金项目"国际金融危机下我国中小企业产业集群分层梯度式升级模式研究"(批准号:09BJY051)
江西省社会科学"十二五"(2015年)规划项目"互联网金融模式P2P:江西实证研究"(批准号:15YJ09)
江西省社会科学院理论创新工程课题"江西互联网金融推进策略研究"(批准号:14CX103)
