互联网金融P2P:江西实证研究

近年来,伴随我国互联网飞跃发展及其与金融业的跨界融合,互联网金融重要模式P2P异军突起并呈爆发式发展。江西绿色产业发展方兴未艾。在中国经济发展进入新常态、全球经济增长缺乏新动能的大背景下,江西的绿色发展更需要优质金融服务与资本推动。本文对目前江西互联网金融P2P基本格局展开分析,发现其呈现总体实力薄弱、区域分布不均、政策支持加大、业务模式多元和网贷水平低端等态势。并且,就江西主要P2P平台进行实证比较研究,探寻案例企业在发展过程中的共性和差异。为进一步促进江西互联网金融P2P在新常态下发展,应制定"政府强监管、平台重建设和银行促合作"的发展谋变策略:明确政府监管思路,加强行业监管创新;构建金融生态系统,加快平台业务流程再造;银行寻求战略合作,深化网络金融转型。

In recent years, P2P, as one of the important models of internet finance, has experienced sudden emergence and explosive development with the rapid growth of China＇s Internet and its cross-border integration with the financial industry. The development of green industry in Jiangxi is in the ascendant. In the context of China＇s economic development in the new normal, along with the lack of new momentum for global economic growth, Jiangxi＇s green development needs more highquality financial services and capital-driven. Therefore, this paper analyzes the basic pattern of Internet financial P2P in Jiangxi province, and finds out its weak overall strength, uneven regional distribution, intensified policy support, diversified business model, and low network loan level. In addition, the empirical study on the main P2P platform in Jiangxi Province is conducted to explore the similarities and differences of the development of case enterprises. The development strategies of ＂strengthening government supervision, stressing platform construction and promoting bank cooperation＂ should be cartied out, in response to the development of Jiangxi Internet Financial P2P under new circumstances. These strategies can be illustrated as follows;（1）clarifying the concept of government supervision and enforcing the innovation of industry supervision;（2）construeting the financial eeo-system and hastening the reconstruction of the platform business process;（3） seeking bank strategic cooperation and deepening transformation of intemet finance.