P2P借貸模式分析

Abstract

隨著金融科技發展，借貸管道突破傳統以銀行為媒介的方式，雙方借貸行為可以使用網路來完成，雖然網路借貸方便，然而不同模式下的網路借貸行為從交易最初的資訊登錄至最後完成還款皆隱含不同程度與類別的風險，部分世人對於網路借貸機制也很陌生，對於平台如何運作以及是否有承擔風險能力不甚了解，於是如何做出風險控制、維持網路借貸平台穩定運作，進而替平台擴大規模吸引使用者加入便成了平台需面對的核心議題。 本研究首先將藉由價值創造循環理論，找出各類模式下網路借貸平台的價值創造予限制，藉以找出各模式下優點與需要改善或規範之處，希望藉由規範的設立或交易流程的更改，使未來平台商業模式可以更加完善。 之後將試著從平台角度提出風險控管的建議與改善，同時希望藉著對借貸雙方的資訊控管以及平台內部財務比率控管，能有效降低違約率以及提升平台營運品質，進而達到平台規模穩定成長之目標，最後將試著整合所探討的風險控管機制與現有借貸模式，得到本研究認為理想的平台運作模型。

With the development of financial technology,traditional bank’s lending pipeline has been changed.Parties may use the web to complete lending behavior.Although peer to peer lending is convient,The period includes information signed up at begining step to repay capital at last step has different risks in different peer to peer lending model.Because most of people are not familiar with P2P lending,how to control risks,maintan lending platform to operate stablely,and increase user of lending platform have been core issues. At first ,this research will find value creation in different lending model by value creation model.By finding out strengths and drawbacks in different lending model,the research hope that related organization will set rules or change lending process in near future to improve P2P lending model. Second,this research will provide suggestions about controling risk of P2P lendi- ng,including supervision of informational data and financial ratio.The goal which suggestion want to reach is to decrease default risks and enhance the platform’s quality.At last,the research will establish an ideal lending model regarding to the suggestions and current lending model’s strengths.