Analysis on Cooperation Model between Commercial Banks and P2P Platforms

• Main Authors: Tzeng, Lynn, 曾靈
• Other Authors: 邱奕嘉
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/jsr9gz

碩士 === 國立政治大學 === 科技管理與智慧財產研究所 === 106 === As the development and improvement of network sci-tech, platform business models start to spring up .Peer-to-peer(P2P) lending is a method of debt financing that enables people to borrow and lend money without the use of an traditional official financial institution as an intermediary. Besides, P2P Lending has a more efficient application process when compared to traditional banks. However, in order to make use of the competitive advantages from each other, some P2P lending platforms and banks build up the corporative relationship, and try to expand the market size and share the information. This research investigates how traditional banks be affected by P2P lending, the motivation of collaboration and analyzes their interaction during the process of collaboration based on the viewpoints of “co-opetition” and “competitive dynamics’’, also the factor of regulation is considered.in these parts. Finally, this research gives the advises to Taiwanese Fin-tech start-ups and banks for make the strategy in face of the wave of internet finance.