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標題: | P2P匯兌平台價值創造與商業模式創新 The Value Creation and Business Model Innovation of The P2P Money Transfer |
作者: | Jennifer Lu 呂羿蓁 |
指導教授: | 游張松 |
關鍵字: | 金融科技,國際匯兌,P2P匯兌,防制洗錢管理,價值創新循環理論, FinTech,Foreign exchange,P2P foreign exchange,Anti-money laundering laws and regulations,Value Creation Cycle, |
出版年 : | 2018 |
學位: | 碩士 |
摘要: | P2P匯兌跳過了銀行的中介角色,提供較低的兌換利率,讓有兌換需求的人能夠透過平台找到兌換貨幣,減少匯兌成本。目前P2P匯兌平台已經在金融科技較創新的國家運行著,但在發展上仍面臨不少問題,多數國家對此新商業模式仍無法落實防制洗錢管理機制與制定規範,當地政府主管單位對匯兌平台的開放與創新持嚴謹與高度控管的態度,未被允許營運許可,也造成平台模式的發展受到阻礙。
本文首先研究在國際匯兌市場中的現況與匯兌模式,再藉由國立台灣大學 商學研究所游張松教授所提出的價值創新循環理論(Value Creation Cycle)建立一個有完整營運規範與防洗錢機制的新P2P匯兌平台。平台期初會將用戶對象範圍縮小,鎖定有常態性匯款需求的海外工作者,讓匯款對象與匯款目的簡單化,並針對使用者審核模式、平台金流審核與交易運作等機制建立,落實防洗錢規範與平台營運的正當性,取得當地的相關主管機關營運許可,並達到優化用戶價值與監理有效的共創發展。 P2P money transfer platform has omitted the bank as mediator in order to reduce exchange cost and exchange rate, hence effectively attract those in demand for easier foreign exchange. Such P2P platform, however, faces several problems in developing in certain countries. Despite being popular amongst the developed countries, some countries face difficulties in fully establishing anti-money laundering laws and regulations. Without proper authorization from government would also contribute to the difficulties in developing such platform. This research focuses on the existing state of foreign exchange market and mode of transaction, and through the Value Creation Cycle proposed by Professor Chang-Sung Yu of Department of Business Administration, National Taiwan University to establish a brand new P2P money exchange platform with complete operating specifications and anti-money laundering mechanism. This platform will narrow down the source of users, and targets the users with high demand in international exchange. The simplification of the process of transaction, the development of user inspection mode, flow of transaction and transaction operating mode, are carried out for the establishment of risk management and prevention of money laundering. Obtaining the legally bounded permission to operate such platform in order to maximize the client value and effectively produce a well-managed system in transaction. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/69212 |
DOI: | 10.6342/NTU201801633 |
全文授權: | 有償授權 |
顯示於系所單位: | 商學研究所 |
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ntu-107-1.pdf 目前未授權公開取用 | 4.27 MB | Adobe PDF |
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