P2P网贷与网购平台相结合的模式设计

北京邮电大学学报(社会科学版) ›› 2014, Vol. 16 ›› Issue (5): 47-52.

P2P网贷与网购平台相结合的模式设计

1北京邮电大学经济管理学院，北京100876；2北京邮电大学世纪学院，北京102101

收稿日期:2014-06-05 出版日期:2014-10-30 发布日期:2023-03-27

Business Model of Combined Peer to Peer Lending Loan Platform and Online Shopping

1School of Economics and Management, Beijing University of Posts and Telecommunications, Beijing 100876,
China;2 Century College, Beijing University of Posts and Telecommunications, Beijing 102101, China

Received:2014-06-05 Online:2014-10-30 Published:2023-03-27

摘要/Abstract

摘要：

通过比较一种新型的互联网金融业务——P2P个人网络借贷的三种典型运作模式，发现P2P网贷在我国出现了变异，已经不是本来意义上的个人对个人的信用模式。借鉴余额宝和阿里小贷的成功经验，提出一种将网贷与网购平台相结合的业务模式，该模式具有交易成本低、收益率高、服务人数广泛、业务模式清晰、法律风险小等多种优点，可以实现多方共赢。

关键词: P2P网贷, 网购平台, 业务模式, 互联网金融

Abstract:

Peer to peer (P2P) lending is an emerging Internet financial business By comparing the typical three kinds of operation mode, it is found that P2P lending has deviated from its original sense, that is, person to person credit mode Meanwhile, referring to the success of YuEbao and Ali micro-credit, a new business model which combines P2P lending platform with online shopping platform is explored This business model has so many advantages, such as low transaction costs, high income rate, wide-ranging service, clear business framework, low legal risk and so on, which will create a win-win situation for the participants

Key words: peer to peer lending, online shopping platform, business model;Internet finance

中图分类号:

韩天明, 孟艳华. P2P网贷与网购平台相结合的模式设计[J]. 北京邮电大学学报(社会科学版), 2014, 16(5): 47-52.

HAN Tian-ming, MENG Yan-hua. Business Model of Combined Peer to Peer Lending Loan Platform and Online Shopping[J]. Journal of Beijing University of Posts and Telecommunications(Social Sciences Edition), 2014, 16(5): 47-52.

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