Study on Products of Chinese Lending Platforms

• Main Authors: TING TSUNG-YI, 丁宗怡
• Other Authors: Chiang,Sue-jane
• Format: Others
• Language: zh-TW
• Published: 2019
• Online Access: http://ndltd.ncl.edu.tw/handle/23tq4z

碩士 === 輔仁大學 === 企業管理學系管理學碩士在職專班 === 108 === In 2015, it is the first year of Taiwan technological finance. BANK3.0, Big Date, Internet of Things, network-only banks, FINTECH and others are all important trends marks for financial economy. According to Banking Transformation in Future: Bank 3.0 of Brett King(2013), 「banking is no longer somewhere you go often but something your tool in your life. The banks forecasts behavior changes would gradually take place in the next decade to facilitate the banking service to be freely accessed. Meanwhile, growing changes of consumption patterns enable every person in future to offer better service in banks. The banking industry will undergo thorough subversion and innovation. Consequently, the finance is no longer the exclusive right of banks. Shortly in Financial and Technology economy, FinTech refers to utilize new technologies to optimize financial services. Currently, it is shown by new ventures which are directions on transfer of most experts in the field of science and technology. FinTech contain third party payment, crowd funding, P2P lending, wealth management, financial robots, digital currency and so on. King(2013) stated that, 「always Banking, Never at a bank」. When the banking service could be offered by other methods, the competitiveness of banks will be under threat. However, the P2P Lending is a new de-banked pattern of financial services, which has been extremely popular in Chinese Mainland with the ever-increasing quantity of P2P platforms. The study took P2P information sheets, transaction data sheets, and basic information lists of platforms from the CSMAR Solution as information sources of the research and took totally 4408 platforms from 2007 to 2014 as the research samples. The study collected and sorted representative P2P platforms in UK, US, Chinese Mainland, HK, Taiwan and other places, with the expectation of offering space for imagination of future development of P2P to Taiwan dealers by drawing lessons from the development experience of P2P in Chinese mainland market.