| Summary: | 碩士 === 東吳大學 === 國際經營與貿易學系 === 105 === The Research of Internalization Theory and Destructive Innovation on investment motivations and the loan customer market, discusses the P2P network lending platform and the credit approval process. For the financial industry under the impact of innovation and technology, the financial industry in order to pursue profits, should directly invest in financial technology companies, the establishment of internal markets to replace the external market, reduce transaction costs and risks, and through financial technology integration, enhance technology, Actual financial information can be more real. Through the case of P2P network lending platform services, domestic financial institutions through direct investment, to enhance the technical level, should be able to open up more new customer base market, look forward to the future development of financial technology strategy, to the domestic financial institutions and government Organs as a reference to the development of financial technology.
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