Title

中國P2P網路借貸業務監管分析之研究

Translated Titles

P2P Monitoring:A Cross-Country Comparison

Authors

曾瑞珍

Key Words

英國網上互助借貸公司 ; 網路借貸 ; 金融科技 ; Zopa ; P2P ; Fintech

PublicationName

國立暨南國際大學高階經營管理碩士學位學程學位論文

Volume or Term/Year and Month of Publication

2016年

Academic Degree Category

碩士

Advisor

林霖

Content Language

繁體中文

Chinese Abstract

自2005年全球第一家P2P公司英國Zopa成立,通過互聯網P2P平台直接撮合雙方借貸交易的網貸行業,已經成為全球金融市場的新潮流。英、美兩國是全球最發達的P2P市場,中國則是全球P2P最具發展潛力的國家,本研究重點在於研究英、美兩國P2P網貸行業的風險與發展趨勢,探討中國P2P行業監管體系的現狀、特點、並提出監管建議;研究重點在以金融科技大數據資料為運用的P2P行業,並以中國、英國、美國所代表個案平台,分析比較其行業經營的風險控制模式,作為中國網路借貸P2P行業現在的監管參考,研究結果發現P2P網路貸款業務未來在中國的發展搭配有效並完善的監督管理制度,徵信制度,消費者保護制度下,應該會是超越英美,將會是全球規模最大的P2P市場。

English Abstract

Zopa, the world’s first-established peer-to-peer lending service in UK in 2005, has been taking a lead of modern global financial markets which operates online lending-and-borrowing among individuals.P2P net loan has been best-developed in both UK and USA while China is regarded as a P2P loan business with the greatest potential to grow. The purpose of this thesis is specifically to study risks of P2P lending systems and the future trends of the market outlook in UK and USA respectively, and it also aims to investigate China P2P platform, features and its current operational systems to further propose better management. Furthermore, the study aims to provide effective suggestions for China net loan sectors by analyzing and comparing with the risk control modes of P2P platforms based on Fintech big data among individual cases in Chia, UK and USA. The result suggests China, with effective and complete management systems, is expected to be home to the largest P2P online landing market beyond UK and USA in the future.

Topic Category 管理學院 > 高階經營管理碩士學位學程
社會科學 > 管理學
Reference
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