| dc.contributor.advisor | 謝明華 | zh_TW |
| dc.contributor.author (Authors) | 陳信宇 | zh_TW |
| dc.contributor.author (Authors) | Chen, Hsin Yu | en_US |
| dc.creator (作者) | 陳信宇 | zh_TW |
| dc.creator (作者) | Chen, Hsin Yu | en_US |
| dc.date (日期) | 2018 | en_US |
| dc.date.accessioned | 2-Mar-2018 11:42:56 (UTC+8) | - |
| dc.date.available | 2-Mar-2018 11:42:56 (UTC+8) | - |
| dc.date.issued (上傳時間) | 2-Mar-2018 11:42:56 (UTC+8) | - |
| dc.identifier (Other Identifiers) | G0104932026 | en_US |
| dc.identifier.uri (URI) | http://nccur.lib.nccu.edu.tw/handle/140.119/116032 | - |
| 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) | 104932026 | zh_TW |
| dc.description.abstract (摘要) | 摘要隨著科技的浪潮一波波地襲來，無論各方面而言，人類的生活方式都正逐一地被顛覆，同樣的，商業領域也無法置身事外。自全球金融危機以來，替代金融在美國、歐洲和亞洲蓬勃發展。有別於傳統金融體系，這些新興的融資渠道也擁有許多不同的發展模式。從基於股權的眾籌到市場消費者和商業貸款，從票據交易到獎勵眾籌，這些替代性融資活動為中小企業提供信用貸款、提供更多元且透明的方式讓消費者投資或融資、鼓勵創新、以及資助有潛力的社會事業。本文點明全球替代金融市場概況後，分析替代金融市場的優與劣，以此對替代金融市場有更深地認識。再者，從六個全球市場上具有領先地位的融資平台經驗中，看見平台在不同環境下的多元發展，了解替代金融市場擁有的多樣化與潛力。最終聚焦臺灣，在現有的體系制度中建議平台業者應在現有的平台經驗中因地制宜，開拓適合臺灣之發展模式。。關鍵字：P2P借貸, 替代金融, 金融科技, 融資 | zh_TW |
| dc.description.tableofcontents | 第壹章 創新金融市場簡介 1第一節 金融創新市場概述 1第二節 替代融資市場概況 3第貳章 替代融資之商業模式 14第一節 資產負債表貸款機構 (Balance Sheet Lenders) 14第二節 P2P借貸平台 (Peer-to-Peer Lenders) 15第參章 替代融資市場之優勢與風險分析 18第一節 替代融資擁有的優勢 18第二節 替代融資市場之風險 23第肆章 個案研討 27第一節 陸金服 27第二節 RateSetter 32第三節 Kabbage 36第四節 SoFi 39第五節 Lending Club 43第六節 Market Invoice 47第伍章 結論與建議 50參考文獻 52 | zh_TW |
| dc.format.extent | 1574253 bytes | - |
| dc.format.mimetype | application/pdf | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0104932026 | en_US |
| dc.subject (關鍵詞) | P2P借貸 | zh_TW |
| dc.subject (關鍵詞) | 替代金融 | zh_TW |
| dc.subject (關鍵詞) | 金融科技 | zh_TW |
| dc.subject (關鍵詞) | 融資 | zh_TW |
| dc.title (題名) | 全球市場化借貸平台市場概況與展望 | zh_TW |
| dc.title (題名) | Global Alternative Finance Platform Analysis | en_US |
| dc.type (資料類型) | thesis | en_US |
| dc.relation.reference (參考文獻) | 中文部分中國平安保險集團。上網日期：2017年12月24日，檢自：http://pingan.cn/ir/index.shtml孕育成長：第二期亞太地區網路替代金融行業報告(2017)。台北市：英國劍橋大學、國立政治大學。陸金所。上網日期：2017年12月24日，檢自：https://www.lu.com/張小玫、周意庭(2016)。 Fintech金融科技新創公司(二)：SoFi。上網日期：2017年12月24日，檢自：http://iknow.stpi.narl.org.tw/Post/Read.aspx?PostID=12769英文部分About Kabbage. Retrieved from https://www.kabbage.com/About Lending Club. Retrieved from https://www.lendingclub.com/About MarketInvoice. Retrieved from https://learn.marketinvoice.com/About RateSetter. Retrieved from https://www.ratesetter.com/About SoFi. Retrieved from https://www.sofi.com/home-3-b/Baeck, P., Collins, L., & Zhang, B. (2014). Understanding Alternative Finance: The UK Alternative Finance Industry Report 2014. London: Retrieved from https://www.jbs.cam.ac.uk/fileadmin/user_upload/research/centres/alternativefinance/downloads/2014-uk-alternative-finance-benchmarking-report.pdfCambridge Centre for Alternative Finance, the Australian Centre for Financial Studies, and Tsinghua University. (2017). Cultivating growth: the 2nd Asia Pacific alternative finance industry report.Dahl, D. (2016, May 6). The Six-Minute Loan: How Kabbage Is Upending Small Business Lending -- And Building A Very Big Business. Forbes. Retrieved from https://www.forbes.com/sites/darrendahl/2015/05/06/the-six-minute-loan-how-kabbage-is-upending-small-business-lending-and-building-a-very-big-business/#15d816799042Farr, C. (2012, September 18). SoFi’s CEO: ‘The student loan market is broken. Let’s fix it’ (interview). VentureBeat. Retrieved from: https://venturebeat.com/2012/09/18/sofi-student-loan/HJCO Capital Partners. (2016). When finance meets internet, the marketplace lending industry .Kabbage：Small Business Loans. Retrieved from https://www.kabbage.com/small-business-loans/Segal, M. (2016). What Is Alternative Finance?. Off. Advocacy, 1, 1-4.SoFi：What is SoFi? Retrieved from https://www.sofi.com/press/Steinfeld, T. (2013, May 20). Hiring New Graduates Is One Thing. Now, How Do You Keep Them? Forbes. Retrieved from https://www.forbes.com/sites/trudysteinfeld/2013/05/20/hiring-new-graduates-is-one-thing-now-how-do-you-keep-them/#326e458122daUniversity of Chicago & Cambridge Judge Business School. (2017). The Americas Alternative Finance Industry Report 2017: Hitting Stride.U.S. Department of the Treasury (2016). Opportunities and Challenges in Online Marketplace Lending.WEF ,& Deloitte. (2015). The Future of Financial Services: How disruptive innovations are reshaping the way financial services are structured, provisioned and consumed. | zh_TW |
