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題名 金融科技於對等網路借貸之應用
FinTech : application in peer to peer lending
作者 張達碩
Chang, Ta Shuo
貢獻者 謝明華
Hsieh, Ming Hua
張達碩
Chang, Ta Shuo
關鍵詞 P2P借貸
金融科技
融資
Peer to peer lending
FinTecg
Finance
日期 2017
上傳時間 2-Mar-2018 11:42:32 (UTC+8)
摘要 中小企業是全球經濟成長的主要動能，且有望成為金融科技潛在得利者，而融資更在金融科技應用中扮演重要的角色，結合科技的應用，可以更進一步以非結構化資料建立信用評分模型以評估信用風險，不僅能更加瞭解顧客、達到精準行銷，使風險的估計更為準確。結合金融科技的新興融資方式，P2P借貸將為中小企業資金融通帶來了新的方向，消費信貸商品與傳統股債市相關性較低，提供小額投資人一多角化的新形態投資標的。
Small and Medium Enterprises (SMEs) are the main drivers of global economic growth and are expected to become potential beneficiaries of financial technology. Besides, financing also plays an important role in the application of financial technology. With the application of technology, credit risk can be further evaluated with unstructured data model, so that we can not only know the customers better to achieve accurate marketing, but also estimate credit risk more accurately. In combination with the emerging financing method of FinTech, P2P lending will bring a new channel for the financing of SMEs. Moreover, consumer credit loans, low correlated with traditional investment products such as stocks and bonds, provide retail investors a diversified investment instrument.
參考文獻 Bachmann, A., Becker, A., Buerckner, D., Hilker, M., Kock, F., Lehmann, M., . . . Funk, B. (2011). Online Peer-to-Peer Lending–A Literature. Journal of Internet Banking and Commerce, 16(2).
Berger, S., & Gleisner, F. (2009). Emergence of financial intermediaries in electronic commerce: The case of online p2p lending.
Frerichs, A., & Schuhmann, M. (2008). Peer to peer banking–state of the art. Institut für Wirtschaftsinformatik der Georg-August-Universität Göttingen, Arbeitsbericht, 2, 2008.
Greiner, M. E., & Wang, H. (2009). The role of social capital in people-to-people lending marketplaces. ICIS 2009 proceedings, 29.
Herrero-Lopez, S. (2009). Social interactions in P2P lending. Paper presented at the Proceedings of the 3rd Workshop on Social Network Mining and Analysis.
Klafft, M. (2008). Peer to peer lending: auctioning microcredits over the internet.
Moenninghoff, S. C., & Wieandt, A. (2013). The future of peer-to-peer finance. Schmalenbachs Zeitschrift für betriebswirtschaftliche Forschung, 65(5), 466-487.
Ventura, A., Koenitzer, M., Stein, P., Tufano, P., & Drummer, D. (2015). The Future of FinTech: A Paradigm Shift in Small Business Finance. Paper presented at the World Economic Forum, Global Agenda Council on the Future of Financing and Capital. http://www3. weforum. org/docs/IP/2015/FS/GAC15_The_Future_of_FinTech_Paradigm_Shift _Small_Business_Finance_report_2015. pdf.
曹磊, & 錢海利. (2016). FinTech 金融科技革命: 網路金融新體系, 改變你我消費, 理財, 保險與借貸的未來: 商周出版.
黄震, 邓建鹏, 熊明, 任一奇, & 乔宇涵. (2014). 英美 P2P 监管体系比较与我国 P2P 监管思路研究. 金融监管研究, 10, 45-58.
描述 碩士
國立政治大學
經營管理碩士學程(EMBA)
103932417
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0103932417
資料類型 thesis
dc.contributor.advisor 謝明華zh_TW
dc.contributor.advisor Hsieh, Ming Huaen_US
dc.contributor.author (Authors) 張達碩zh_TW
dc.contributor.author (Authors) Chang, Ta Shuoen_US
dc.creator (作者) 張達碩zh_TW
dc.creator (作者) Chang, Ta Shuoen_US
dc.date (日期) 2017en_US
dc.date.accessioned 2-Mar-2018 11:42:32 (UTC+8)-
dc.date.available 2-Mar-2018 11:42:32 (UTC+8)-
dc.date.issued (上傳時間) 2-Mar-2018 11:42:32 (UTC+8)-
dc.identifier (Other Identifiers) G0103932417en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/116030-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 經營管理碩士學程(EMBA)zh_TW
dc.description (描述) 103932417zh_TW
dc.description.abstract (摘要) 中小企業是全球經濟成長的主要動能，且有望成為金融科技潛在得利者，而融資更在金融科技應用中扮演重要的角色，結合科技的應用，可以更進一步以非結構化資料建立信用評分模型以評估信用風險，不僅能更加瞭解顧客、達到精準行銷，使風險的估計更為準確。結合金融科技的新興融資方式，P2P借貸將為中小企業資金融通帶來了新的方向，消費信貸商品與傳統股債市相關性較低，提供小額投資人一多角化的新形態投資標的。zh_TW
dc.description.abstract (摘要) Small and Medium Enterprises (SMEs) are the main drivers of global economic growth and are expected to become potential beneficiaries of financial technology. Besides, financing also plays an important role in the application of financial technology. With the application of technology, credit risk can be further evaluated with unstructured data model, so that we can not only know the customers better to achieve accurate marketing, but also estimate credit risk more accurately. In combination with the emerging financing method of FinTech, P2P lending will bring a new channel for the financing of SMEs. Moreover, consumer credit loans, low correlated with traditional investment products such as stocks and bonds, provide retail investors a diversified investment instrument.en_US
dc.description.tableofcontents 摘要 I
Abstract II
目次 III
表次 IV
圖次 V
第一章 研究緒論 1
第二章 文獻探討 4
第一節 P2P金融 4
第二節 P2P借貸平台之商業模式 8
第三節 P2P借貸平台之建構要素 13
第三章 研究方法 15
第一節 線上消費信貸平台 15
第二節 P2P借貸平台之信用評分機制 16
第三節 消費信貸與線上信貸平台投資評估 18
第四章 個案研討 20
第一節 ZOPA 20
第二節 中國拍拍貸 28
第三節 FINEXASIA 34		zh_TW
dc.format.extent 1198481 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0103932417en_US
dc.subject (關鍵詞) P2P借貸zh_TW
dc.subject (關鍵詞) 金融科技zh_TW
dc.subject (關鍵詞) 融資zh_TW
dc.subject (關鍵詞) Peer to peer lendingen_US
dc.subject (關鍵詞) FinTecgen_US
dc.subject (關鍵詞) Financeen_US
dc.title (題名) 金融科技於對等網路借貸之應用zh_TW
dc.title (題名) FinTech : application in peer to peer lendingen_US
dc.type (資料類型) thesisen_US
dc.relation.reference (參考文獻) Bachmann, A., Becker, A., Buerckner, D., Hilker, M., Kock, F., Lehmann, M., . . . Funk, B. (2011). Online Peer-to-Peer Lending–A Literature. Journal of Internet Banking and Commerce, 16(2).
Berger, S., & Gleisner, F. (2009). Emergence of financial intermediaries in electronic commerce: The case of online p2p lending.
Frerichs, A., & Schuhmann, M. (2008). Peer to peer banking–state of the art. Institut für Wirtschaftsinformatik der Georg-August-Universität Göttingen, Arbeitsbericht, 2, 2008.
Greiner, M. E., & Wang, H. (2009). The role of social capital in people-to-people lending marketplaces. ICIS 2009 proceedings, 29.
Herrero-Lopez, S. (2009). Social interactions in P2P lending. Paper presented at the Proceedings of the 3rd Workshop on Social Network Mining and Analysis.
Klafft, M. (2008). Peer to peer lending: auctioning microcredits over the internet.
Moenninghoff, S. C., & Wieandt, A. (2013). The future of peer-to-peer finance. Schmalenbachs Zeitschrift für betriebswirtschaftliche Forschung, 65(5), 466-487.
Ventura, A., Koenitzer, M., Stein, P., Tufano, P., & Drummer, D. (2015). The Future of FinTech: A Paradigm Shift in Small Business Finance. Paper presented at the World Economic Forum, Global Agenda Council on the Future of Financing and Capital. http://www3. weforum. org/docs/IP/2015/FS/GAC15_The_Future_of_FinTech_Paradigm_Shift _Small_Business_Finance_report_2015. pdf.
曹磊, & 錢海利. (2016). FinTech 金融科技革命: 網路金融新體系, 改變你我消費, 理財, 保險與借貸的未來: 商周出版.
黄震, 邓建鹏, 熊明, 任一奇, & 乔宇涵. (2014). 英美 P2P 监管体系比较与我国 P2P 监管思路研究. 金融监管研究, 10, 45-58.		zh_TW