網(wǎng)貸平臺(tái)商業(yè)計(jì)劃書(shū)

1、目錄一、項(xiàng)目簡(jiǎn)介....................................................................................................................3(一)項(xiàng)目簡(jiǎn)介........................................................................................

2、............................3(二)運(yùn)作優(yōu)勢(shì)....................................................................................................................3(三)政策導(dǎo)向............................................................

3、........................................................4(四)發(fā)展戰(zhàn)略....................................................................................................................4二、市場(chǎng)分析.................................

4、...................................................................................4(一)市場(chǎng)需求分析............................................................................................................4(二)未來(lái)發(fā)展趨勢(shì).........

5、...................................................................................................6三、運(yùn)營(yíng)模式..................................................................................................................

6、..6(一)融資............................................................................................................................61、P2P網(wǎng)絡(luò)借貸..............................................................................

7、...........................62、股票配資..............................................................................................................103、眾籌......................................................................

8、................................................144、團(tuán)團(tuán)賺融資分析：...................................................................................................18(二)投資理財(cái)....................................................

9、..............................................................231、股票、基金服務(wù).......................................................................................................232、保險(xiǎn)......................................

10、................................................................................233、典當(dāng)......................................................................................................................234、票據(jù)標(biāo).........

11、.........................................................................................................245、寄售.............................................................................................................

12、.........246、PP租車(chē)案例分享：.............................................................................................25（三）支付..................................................................................................

13、.......................26（四）風(fēng)險(xiǎn)管理.................................................................................................................271、政策風(fēng)險(xiǎn)...................................................................

14、...........................................272、技術(shù)風(fēng)險(xiǎn)..............................................................................................................273、違約風(fēng)險(xiǎn)...................................................

15、...........................................................274、管理風(fēng)險(xiǎn)..............................................................................................................285、不良債權(quán)追索與處置風(fēng)險(xiǎn)............................

16、......................................................28四、營(yíng)銷(xiāo)策略..................................................................................................................283一、項(xiàng)目簡(jiǎn)介(一)項(xiàng)目簡(jiǎn)介網(wǎng)貸，又稱(chēng)P2P網(wǎng)絡(luò)借款，是指?jìng)€(gè)人通過(guò)網(wǎng)絡(luò)平臺(tái)相互借貸。

17、即，由具有資質(zhì)的網(wǎng)站（第三方公司）作為中介平臺(tái)，借款人在平臺(tái)發(fā)放借款標(biāo)，投資者進(jìn)行競(jìng)標(biāo)向借款人放貸的行為。P2P網(wǎng)絡(luò)貸款平臺(tái)，就是從事點(diǎn)對(duì)點(diǎn)信貸中介服務(wù)的網(wǎng)絡(luò)平臺(tái)。P2P借貸，是目前興起的給予互聯(lián)網(wǎng)應(yīng)用的一個(gè)相對(duì)較新的模式。建立的基本前提是，需要借貸的人可以通過(guò)網(wǎng)絡(luò)平臺(tái)尋找到有出借能力的愿意給予一定條件出借的人群。網(wǎng)絡(luò)貸款中介幫助確定借貸的條款和準(zhǔn)備好必備的法律文本。更重要的是，中介網(wǎng)絡(luò)平臺(tái)可以幫助貸款人通過(guò)和其他貸款人一起分擔(dān)一筆借款

18、額度的方式來(lái)分散風(fēng)險(xiǎn)，也幫助借款人在充分比較的信息中選擇有吸引力的利率條件。而同時(shí)，收取一定的服務(wù)費(fèi)作為中介平臺(tái)的回報(bào)。網(wǎng)絡(luò)貸款平臺(tái)旨在為用戶搭建一個(gè)公平交易的平臺(tái)，在借貸雙方之間，網(wǎng)站起到一個(gè)見(jiàn)證人的作用。(二)運(yùn)作優(yōu)勢(shì)1、資源優(yōu)勢(shì)：項(xiàng)目的創(chuàng)辦地是商丘。作為投資擔(dān)保公司的億龍，已具備充實(shí)的線下操作力量，具有豐富的投融資策劃、投資管理等金融服務(wù)的運(yùn)作經(jīng)驗(yàn)，以及擁有大量的客戶群體。本年的商丘投資擔(dān)保風(fēng)波對(duì)我們來(lái)說(shuō)，機(jī)遇與挑戰(zhàn)并存。由于各擔(dān)