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P2P网贷是近年发展起来的在线民间小额借贷业务,其凭借无门槛、高收益率与低融资成本等优点吸引了许多小额借贷投、融资者。本课题是在论证了支付宝用户的理财需求与淘宝卖家资金短缺的现状后,将支付宝平台与P2P网贷模式进行优势整合,创新性地提出了基于支付宝平台面向淘宝卖家的P2P网络信贷模式,从而有效地控制了借贷违约风险这一制约P2P网贷发展的最大难题。随后本文调查研究了支付宝用户与淘宝卖家对P2P网贷的熟识度与认可度,并选用TAM技术接受模型,通过相关分析和回归分析,结合专家学者对本模式的看法与评价,最终为模式的进一步完善提供合理化建议。
P2P net loan is an online private micro loan business developed in recent years. With its advantages of no threshold, high yield and low financing cost, P2P net loan has attracted many small loan investors and financiers. This subject demonstrates the Alipay users’ financial needs and Taobao sellers shortage of funds after the current situation, the Alipay platform and P2P network loan mode advantages of integration, innovatively based on Alipay platform for Taobao sellers P2P network credit model, thus Effectively control the loan default risk that restricts the development of P2P net loans the biggest problem. Then this paper investigates Alipay users and Taobao sellers P2P network loan familiarity and recognition, and use TAM technology to accept the model, through correlation analysis and regression analysis, combined with experts and scholars on the model of the view and evaluation, and ultimately for the model further Improve the rationalization of proposals.