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近年来,互联网金融服务发展迅速,众多电商平台开始凭借自身获取数据的优势,以大数据征信为依托,通过与金融机构合作的模式或自身开展网贷的模式,加入到互联网金融行业中。本文通过企业家访谈、实地调研平台商户的相关信息,向读者展示上述两种网贷模式经典案例,通过案例分析上述模式存在的问题,最后提出几点电商平台如何更好地开展互联网金融业务的建议。
In recent years, with the rapid development of Internet financial services, many e-commerce platforms have begun to rely on the advantages of their own data acquisition to rely on big data credit lending and join the internet finance industry through the mode of cooperation with financial institutions or the mode of net loans by themselves . In this paper, we present the classic cases of the above two kinds of network loan models to the readers through the interviews with entrepreneurs and the field research platform merchants, and analyze the problems existing in the above models through the case studies. Finally, we put forward some suggestions on how the e-commerce platform can better develop the Internet finance business Suggestions.