摘要
通过比较一种新型的互联网金融业务——P2P个人网络借贷的三种典型运作模式,发现P2P网贷在我国出现了变异,已经不是本来意义上的个人对个人的信用模式。借鉴余额宝和阿里小贷的成功经验,提出一种将网贷与网购平台相结合的业务模式,该模式具有交易成本低、收益率高、服务人数广泛、业务模式清晰、法律风险小等多种优点,可以实现多方共赢。
Peer to peer （ P2P） lending is an emerging Internet financial business.By comparing the typical three kinds of operation mode , it is found that P2P lending has deviated from its original sense , that is, person to person credit mode.Meanwhile , referring to the success of YuEbao and Ali micro-credit , a new business model which combines P2P lending platform with online shopping platform is explored.This business model has so many advantages , such as low transaction costs , high income rate , wide-ranging service , clear business framework, low legal risk and so on , which will create a win-win situation for the participants.
出处
《北京邮电大学学报（社会科学版）》
CSSCI
2014年第5期47-52,共6页
Journal of Beijing University of Posts and Telecommunications(Social Sciences Edition)
关键词
P2P网贷
网购平台
业务模式
互联网金融
peer to peer lending
online shopping platform
business model
Internet finance
