政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/111744

政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/111744

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题名:	台灣P2P網路借貸之研究 A study of peer-to-peer lending in Taiwan
作者:	鍾郁婕 Chung, Yu Chieh
贡献者:	張興華鍾郁婕 Chung, Yu Chieh
关键词:	P2P 網路借貸借貸平台網路替代金融 Peer-to-peer lending Lending platform Online alternative finance
日期:	2016
上传时间:	2017-08-10 09:46:37 (UTC+8)
摘要:	P2P 網路借貸是近年快速發展的新興產業,也是目前全球網路替代金融市場最為活絡的項目之一,其主要概念為透過網路平台直接實現個人一對一或一對多的資金借貸服務。台灣的 P2P 網路借貸直到 2016 年才開始起步, 本文以台灣目前成立的三家 P2P 網路借貸平台為出發點,從平台的商業模式與申貸數據進行分析,試圖以台灣 P2P 網路借貸的發展現況,找出 P2P 網路借貸在台灣的機會與挑戰。本文發現目前台灣 P2P 網路借貸產業的主要客群為信用評等位在中間階層的借款者,推論目前台灣 P2P 網路借貸對於金融產業是補充關係多於競爭關係,此種補充角色為投資者與借款者帶來更多選擇,加上台灣有足夠成熟的徵信環境,可視為此產業的發展機會。但目前台灣的法律規範使得 P2P 網路借貸平台的發展受限,同時現有模式存在的風險也未受到明確的規範,將會是未來發展所面臨的一大挑戰。 Peer-to-peer lending is one of the most active financial services in the online alternative finance industry and has grown rapidly in the last few years. The main idea of P2P lending is to realize lending without the financial institutions through online platforms. In Taiwan, P2P lending market is just in the early stage in 2016. This thesis analyzes the business models and data of three Taiwan’s P2P lending platforms. Try to find out what are the opportunities and challenges for developing P2P lending industry in Taiwan. The study found that the main borrowers on Taiwan’s P2P lending platforms are people with medium level of credit rating. It could be inferred that P2P lending industry so far acts as a supplementary role more than as a competitor in Taiwan’s financial market. The supplementary role of P2P lending platforms provides more options for investors and borrowers. In addition, the credit reporting industry in Taiwan is well-developed. They are both the opportunities for P2P lending industry. However, current regulations limit the development of P2P lending and the risks from the current business models are not clearly regulated. It will be a challenge for developing P2P lending in the future.
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Online Peer-to-Peer Lending – A Literature Review. Journal of Internet Banking and Commerce. Vol. 16, No.2, pp.7-13. Barasinska, N. (2009). The Role of Gender in Lending Business : Evidence from an Online Market for Peer-to-Peer Lending. The New York Times. Berlin. Borello, G., Crescenzo, V. D. and Pichler, F. (2015). The Funding Gap and The Role of Financial Return Crowdfunding：Some Evidence From European Platforms. Journal of Internet Banking and Commerce. Vol. 20, No.1, pp. 1-20. Freedman, S., and Jin, G.Z. (2008). Do Social Networks Solve Information Problems for Peer-to-Peer Lending? Evidence from Prosper. com. Working Papers. College Park, MD: NET Institute. Retrieved from http://en.ccer.edu.cn/download/6641-1.pdf Greiner, M. E., and Wang, H.(2009). The Role of Social Capital in People-to-People Lending Marketplaces. Thirtieth International Conference on Information Systems, p. 18. Phoenix: Association for Information Systems. Herrero-Lopez, S. (2009). Social Interactions in P2P Lending. Proceedings of the 3rd Workshop on Social Network Mining and Analysis (pp. 1–8). Paris: ACM. Retrieved from http://portal.acm.org/citation.cfm?id=1731011.1731014 Herzenstein, M., Andrews, R. L., Dholakia, U. M., & Lyandres, E. (2008). The Democratization Of Personal Consumer Loans? Determinants Of Success In Online Peer-To-Peer Lending Communities. Online. Newark, DE ; Houston, TX. Iyer, R., Khwaja, A. I., Luttmer, E. F. P., and Shue, K. (2009). Screening in New Credit Markets Can Individual Lenders Infer Borrower Creditworthiness in Peer-to-Peer Lending? Management. Cambridge, MA. ? Klafft, M. (2008). Peer to Peer Lending: Auctioning Microcredits over the Internet. Proceedings of the 2008 Int’l Conference on Information Systems, Technology and Management (pp. 1-8). Dubai: IMT. Retrieved from http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1352383 Kirby, E., and Worner, S. (2014). Crowd-funding: An Infant Industry Growing Fast, IOSCO Research Department. Pope, D. G., and Sydnor, J. R. (2008). What’s in a Picture? Evidence of Discrimination from Prosper. com. Journal of Human Resources. Philadelphia, PA. Retrieved from http://scholar.google.com/scholar?hl=en&btnG=Search&q=intitle:What?s+in+a+Picture?+Evidence+of+Discrimination+from+Prosper#0 Ravina, E. (2007). Beauty, Personal Characteristics, and Trust in Credit Markets. papers.ssrn.com. New York, NY. Retrieved from http://papers.ssrn.com/sol3/papers.cfm?abstract_id=972801 University of Cambridge, Cambridge Judge Business School, Cambridge Centre for Alternative Finance (2016a).The Americas Alternative Finance Benchmarking Report. University of Cambridge, Cambridge Judge Business School, Cambridge Centre for Alternative Finance (2016b). The 2ND European Alternative Finance Report. University of Cambridge, Cambridge Judge Business School, Cambridge Centre for Alternative Finance (2016c). 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描述:	碩士國立政治大學金融學系 103352003
資料來源:	http://thesis.lib.nccu.edu.tw/record/#G0103352003
数据类型:	thesis
显示于类别:	[金融學系] 學位論文

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