Lending Club成功模式在本土化实践中的复制与创新研究

摘要：近年来，我国的P2P行业野蛮生长却也面临着问题平台爆发的困境，而作为全球最成功的P2P企业，Lending Club以85亿美元估值在美国上市给我国P2P行业带来希望与动力。论文是在论述Lending Club成功模式的基础上，对中美之间P2P行业外部环境差距展开分析，并研究有中国版Lending Club之称的点融网的发展情况，继而推广至我国整个P2P行业，进一步分析我国P2P行业现存的困境，以及企业试图打破困境、克服中美环境差距、抢占市场份额所作出的一些“病态创新”，结合行业诸如监管、征信等一些外部条件最新动态提出外部环境改善的相应建议，更提出一些源于企业自身的创新角度，最终探索出一条符合我国国情的P2P企业在本土化实践中复制与创新道路。30039
毕业论文关键词：P2P；风险控制；金融监管；金融创新；征信
Research about how can successful mode of Lending Club copy and innovate in china
Abstract：In recent years, P2P industry grows rudely in China is also facing the problem of trouble platform, but as the world's most successful P2P enterprise, Lending Club with a $8.5 billion valuation listed in the U.S. bring hope and motivation to our country. Paper is on the basis of Lending Club success model, analyzes the external environment gap between China and the United States, and study with Chinese version of the Lending Club point network into the development of the situation, and then extended to the whole P2P industry in China, further analysis of the plight of the existing P2P industry in our country, and enterprises try to break the predicament, to overcome the gap between China and the United States environment, gained market share by some of the "unhealthy" innovation, based on some external conditions such as regulation, credit reporting industry the latest dynamic external environment to improve the corresponding Suggestions, puts forward some innovation of enterprise itself more Angle, finally find a conforms to China's national conditions of P2P enterprise replication in the local practice and innovation path.
Key words:Peer-to-Peer;risk control;finance supervise;finance innovation;credit
目录
一、绪论   1
（一）研究背景和意义   1
（二）文献综述   2
（三）本文的主要内容   3
二、Lending Club成功模式探究   4
（一）业务模式创新三部曲   4
     1.本票模式（2007.6-2007.12）   4
     2.银行模式（2008.1-2008.3）   5
     3.证券模式（2008至今）   5
（二） “重技术，轻资产”的运营模式   6
（三）领先的风控模型   6
（四）重视合作，打造“平台效应”   7
     1.成名前，基于Facebook平台推出投融资应用   8
     2.成名后，成为诸多著名公司发展的合作平台   8
（五）积极配合监管，共建行业良好秩序   8
（优尔）坚持核定利率，形成差异化竞争   10
（七）透明的信息披露，兴起的学术研究与投资工具   10
三、中美P2P行业环境差异分析   12
（一）行业定位差异   12
（二）征信市场差异   13
（三）监管法令差异   13
（四）市场环境差异   15
四、LC中国门徒——点融网模式探究   16
（一）点融网的复制   16
     1.逐步放量，寻求未来爆炸增长   16 Lending Club成功模式在本土化实践中的复制与创新研究:http://www.youerw.com/jingji/lunwen_25542.html