基于社交信用的大学生网络信用贷款平台研究

Research on Network Credit Loan Platform of College Students Based on Social Credit

本文基于社交信用对大学生信用贷款的潜在价值,对大学生贷款中P2P网络信贷的发展进行研究并提出解决方案。论文用PEST分析国内大学生网络贷款市场宏观环境,并将国内典型的大学生网络信贷平台进行对比分析。论文基于社交信用的视角,发现目前市场竞争的同质化、风险控制不够完善以及个人网络征信起步困难等问题,最后针对这些问题提出差异化的品牌营销策略、建立完善的风险控制体系和构建网络个人征信体系等对策。

Based on the potential value of social credit for college students＇ credit loans, this paper studies the development of P2 P network credit in college students and puts forward some solutions. This paper analyzes the macro environment of domestic college students ＇network loan market with PEST, and compares the typical college students＇ network credit platform in China. Based on the perspective of social credit, this paper finds out the homogeneity of market competition, the imperfect risk control and the difficulty of starting the credit of individual network. Finally, the author puts forward differentiated brand marketing strategies and builds a perfect risk control system and construction Network personal credit system and other countermeasures.