| P2P网贷与网购平台相结合的模式设计 |
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| 引用本文： | 韩天明,;孟艳华.P2P网贷与网购平台相结合的模式设计[J].北京邮电大学学报(北京邮电大学学报),2014(5):47-52. |
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| 作者姓名： | 韩天明 ;孟艳华 |
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| 作者单位： | [1]北京邮电大学经济管理学院,北京100876; [2]北京邮电大学世纪学院,北京102101 |
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| 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。
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| 关 键 词： | PP网贷 网购平台 业务模式 互联网金融 |
Business Model of Combined Peer to Peer Lending Loan Platform and Online Shopping |
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| Institution: | HAN Tian-ming, MENG Yan-hua( 1. School of Economics and Management, Beijing University of Posts and Telecommunications, Beijing 100876, China; 2. Century College, Beijing University of Posts and Telecommunications, Beijing 102101, China) |
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| Abstract: | 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. |
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| Keywords: | peer to peer lending online shopping platform business model Internet finance |
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