Lending Club成功模式在本土化实践中的复制与创新研究
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
上一篇：中国报关行业存在的问题与对策研究