- 學位論文
電子商務買賣業小額貸款之商業模式
E-commerce Trading Based Small Loan Business Model
摘要
由於網路的興起，依附網路而生的小型或微型企業如雨後春筍般的出現，連帶也帶來龐大的小額資金需求。由於缺乏足夠的信用或可抵押的不動產，這些小型或微型企業經常因違約風險過高，而無法從傳統的金融管道取得資金。近年來以經營小型或微型貸款為主的網路借貸平台透過將風險轉移給小額投資的個人，順利幫助許多無法獲得融資的個人及小型或微型企業成功募得資金。然而，網路借貸平台的借款人仍然無法提供可靠的信用評估依據，使得資金出借者在賺取高額利息的同時，承擔了相當高的風險。因此，本研究將深入研究各種網路借貸平台的商業模式，並找出能有效控管網路借貸模式的風險。 本研究以價值創造循環(Value Creation Cycle)分析各種借貸管道，並指出在所有的網路借貸平台中，以電子商務資料為基礎的網路借貸平台，因為可以取得借款商家的實際交易資料，而精確掌控出借款項的風險，是目前本研究認為最理想的網路借貸模式。另外，本研究亦針對此種網路借貸模式的運作方式和風險控管機制做深入的探討，並提出具體的判斷項目和條件，以及最重要的獲利模式。 本研究最後做出以下兩項結論，第一點是電子商務交易資料將會是未來重要的借貸憑據。第二點則是電子商務的交易資料和倉儲的貨物將是網路借貸平台提供貸款的最佳保障。
並列摘要
Along with the rise of the Internet, the number of Internet-based small businesses bloomed, concomitantly increasing the need for small business loans. Due to a lack of collateral, these small businesses were often deemed too risky and found their loan requests rejected by traditional financial institutions. In the recent years, through the online lending brokerage industry, these small businesses have been able to acquire loans from individual lenders. However, lacking sufficient credit information from the small business borrowers, these individual lenders often take high risk and uncertainty when they make their investment by offering the loans. Therefore, this research aims to identify the ideal business model for small loans and make the risk measurable by examining different kinds of common lending business models. This thesis uses the Value Creation Cycle to analyze the business models of the online lending industry and determines the e-commerce trading based online lending platform to be the ideal model in this business because it reduces the individual lenders’ risk by examining the genuine e-trading data of the borrowers. This thesis further proposes a concrete set of risk management principles for this kind of online lending model, along with the profit methods. In the end, my research leads to two conclusions. First, the e-trading data are and will be essential as a credential for loans. Second, the e-trading data and warehousing commodities in e-commerce trading are the best guarantee for online lending business.