以电商平台为核心的互联网金融行业发展研究

以电商平台为核心的互联网金融行业发展研究(论文11000字)
摘    要
    互联网金融将计算机技术和金融业巧妙融合，形成了一个新的发展潜力巨大的领域。互联网金融起步晚、发展快，发展过程中也存在很多缺陷，所以本文以此为切入点，对以平台为核心的互联网金融行业进行研究，希望能找出这个行业发展中的问题，解决这些问题促进互联网金融有序发展。本文按照以下思路进行：首先对互联网金融的研究背景和研究意义进行介绍，说明研究以电商平台为核心的互联网金融企业的迫切性。接着，对互联网金融的概念进行界定，说明互联网金融有“互联网”和“金融”两部分结合，并对互联网金融中的四个参与要素进行介绍。再次，在交代互联网金融作用之后，对电商平台发展的典型企业阿里巴巴进行分析，介绍其运营模式找出其经营特点。之后，对互联网金融行业中存在的安全性差、资金不足等问题进行分析，点出这些问题的表现以及存在原因，在文章的最后，根据前文提出的问题，对症下药，提出解决以电商平台为核心的互联网金融行业发展的政策建议，希望能为互联网金融的有序健康发展有所借鉴。
 
关键词： 电商平台，互联网金融，作用，问题，策略

Electric business platform as the core of the financial industry, the Internet development research
ABSTRACT
    Internet banking computer technology and financial industry clever integration, the formation of a new field of great potential for development. The Internet Finance started late, rapid development, there are many defects in the process of development, so this article as a starting point, to study on the platform as the core of the Internet financial industry, hoping to find out the problems in the industry development, to solve these problems and promote the orderly development of the Internet financial. In this paper, according to the following ideas: first of all, the research background and research significance of Internet banking is introduced, and the urgency of the research on the Internet financial enterprises with the core of electronic business platform is explained. Then, the definition of the concept of Internet banking, Internet banking has the Internet and finance two parts combined, and the Internet in the financial elements of the introduction of the four involved. Again, after the impact of the Internet to explain the role of the Internet, the development of electronic business platform for a typical enterprise Alibaba analysis, the introduction of its business model to identify its operating characteristics. After that, the security problems of the existence of the Internet in the financial industry, lack of funds and so on, point out the problems and reasons of existence, at the end of the article, an antidote against the disease according to the preceding question, put forward to solve the financial development of the Internet industry to electronic business platform as the core of the policy recommendations, hope to be helpful and orderly for the healthy development of Internet banking.

KEYWORDS：On Line Financial Marketing，Electronic Business Platform，Function，Problem，Strategy
 
目    录
1 引言    1
1.1 研究背景    1
1.2 研究意义    1
2 概念界定与互联网金融的参与要素    3
2.1 概念界定    3
2.2 互联网金融的参与要素    3
2.2.1 电商平台    3
2.2.2 大数据    4
2.2.3 资金需求方    4
2.2.4 资金攻击者    4
3 以电商为平台的互联网金融的作用    5
3.1 帮助小微企业建立信用档案，解决融资难问题    5
3.2 促进第三产业发展，调整产业结构    5
3.3 减少小微企业资金流动性的风险    6
4 案例分析—阿里金融的商业模式分析    7
4.1 阿里金融发展现状    7
4.2 阿里金融商业模式的特点    8
5 现阶段以电商平台为核心的互联网金融中存在的问题    10
5.1 交易安全问题频繁出现    10
5.2 互联网金融的发展受到网络普及度的限制    10
5.3 当前互联网金融的买方不够多样化    11
5.4 法律法规漏洞多，监管力度不够    11
5.5 资金来源受限，不利于扩大规模    12
6 以电商平台为核心的互联网金融发展策略    13
6.1 加大技术研发力度，保证交易安全性    13
6.2 建立更强大的客户、商家数据库    13
6.3 打造具有特色的互联网金融平台    14
6.4 完善法律法规的建设，维持市场秩序    14
6.5 电商企业自身要有明确的发展目标    14
参考文献    16
后    记    18