E-commerce Trading Based Small Loan Business Model
Date Issued
2014
Date
2014
Author(s)
Kang, Shu-Yu
Abstract
Along with the rise of the Internet, the number of Internet-based small businesses bloomed, concomitantly increasing the need for small business loans. Due to a lack of collateral, these small businesses were often deemed too risky and found their loan requests rejected by traditional financial institutions. In the recent years, through the online lending brokerage industry, these small businesses have been able to acquire loans from individual lenders. However, lacking sufficient credit information from the small business borrowers, these individual lenders often take high risk and uncertainty when they make their investment by offering the loans. Therefore, this research aims to identify the ideal business model for small loans and make the risk measurable by examining different kinds of common lending business models.
This thesis uses the Value Creation Cycle to analyze the business models of the online lending industry and determines the e-commerce trading based online lending platform to be the ideal model in this business because it reduces the individual lenders’ risk by examining the genuine e-trading data of the borrowers. This thesis further proposes a concrete set of risk management principles for this kind of online lending model, along with the profit methods.
In the end, my research leads to two conclusions. First, the e-trading data are and will be essential as a credential for loans. Second, the e-trading data and warehousing commodities in e-commerce trading are the best guarantee for online lending business.
Subjects
小額借貸
網路借貸
價值創造循環
P2P網路借貸
Type
thesis
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