我国P2P网络借贷公共信息平台构架与运营模式研究  

The Research on the Public Information Platform Framework and Operation Mode of China's Peer to Peer Lending

作　　者：钱淑芳[1] 张向阳[2] 

机构地区：[1]华南理工大学经济与贸易学院,广东广州510006 [2]广东科学技术职业学院经济管理学院,广东珠海519090

出　　处：《科技管理研究》2016年第2期208-212,共5页Science and Technology Management Research

基　　金：广东省教育厅教学质量工程项目"以创新创业能力为中心的电子商务专业综合改革试点"(ZYZG201201);广州市社会科学"十二五"规划项目"广州市小城镇社区服务技术开发实证研究"(13Y19)

摘　　要：网络金融创新迅猛发展,P2P(Peer to Peer Lending)网络借贷行业面临巨大的机会与挑战。通过分析我国网络借贷核心价值网络结构,并基于放贷人制度与信息协同共享机制,构建放贷人、借款人、运营商、金融机构四方(4C,Four Parties Cooperation Winner)协同共赢的公共信息平台构架体系,总结凝练出具有中国本土化特色的P2P网络借贷4C协同共赢运营模式,为促进我国P2P网络借贷产业健康发展提出对策建议。With the rapid development of network finance innovation, the industry of peer to peer lending faces enormous opportunities and challenges. Based on the lenders regulations and information sharing mechanism, the paper analyzes the core value of peer to peer lending, so as to build the public information platform framework which bring benefit for four parties cooperation winner （the loan, the borrower, the operator and the financial institution）, and summarize the cooperative win -win operation model of the 4C P2P network lending with Chinese characteristics. Finally in order to promote the healthy development of P2P network lending industry in China, the paper puts forward some countermeasures and suggestions.

关 键 词：放贷人 网络金融 P2P网贷 运营模式 公共信息平台 

分 类 号：F724.6[经济管理—产业经济] F832.4