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论文编号：	8177
作者编号：	2120142868
上传时间：	2016/6/2 1:56:25
中文题目：	MSYD公司房地产金融产品的研究
英文题目：	Study of MSYD Company’s Real-Estate Financial Products
指导老师：	齐岳
中文关键字：	互联网金融;互联网+;房地产;产品;风险控制
英文关键字：	Internet Finance;Internet+;Real-Estate;Products;Risk Management
中文摘要：	金融、互联网、房地产，都是中国现代经济社会中蓬勃发展的核心领域，当这几大行业进一步融合时，就形成了此篇论文的研究对象——房地产金融产品，本文作者将结合在互联网公司MSYD的工作实践对文章研究对象做深入探讨。 互联网金融的出现还很短暂，发展迅速并得到了社会广泛的关注，但新事物总会遇到各种新挑战。即便这样，在金融改革浪潮的席卷之下，在互联网公司的经营范畴内，它们有很大的竞争优势来占据房地产与互联网金融的交叉领域，房地产互联网金融毋庸置疑将成为下一个风口。房地产行业怎样有新的途径“去库存”？互联网公司怎样在产品同质化越来越明显的掣肘中找准新产品方向？普通老百姓又怎样能够参与并获益？在未来由于房地产与互联网金融相结合的市场存量巨大，短期内还无法形成行业独角兽，更多机构将择机进入，更多创新也将涌现，红利与机遇随政策的利好会越来越多，监管与调控也将给行业带来挑战与规范。 依靠文章作者以及公司团队的工作实践，根据长期以来对房地产行业的持续关注跟踪，以及对互联网金融产品的了解，我们发现了两大问题：第一，在市场上符合开发商、互联网金融公司、投资人、购房者等相关群体利益的房地产金融产品数量还显不足，产品的安全性、创新性、开放性也存在或多或少的问题；第二，公司内部的房地产金融产品尚处在萌芽阶段，不仅产品、架构体系单一落后，也没有将积累的房地产公司资源以及金融产品的技能优势得到充分体现，鉴于此两种问题，文章作者及公司团队通过原创设计及借鉴其他领先互联网金融企业的成熟产品，MSYD公司形成了自有完整的房地产金融产品，经过一段时间的检验后，MSYD基于房地产开发的产品其特征、金融模式、风险控制均得到了广泛认可。文章旨在对MSYD的房地产金融产品的背景、存在的问题、优化的方案及保障措施展开探究。
英文摘要：	Finance, Internet, Real estate, all of these fields are core industries which develop rapidly and orderly in Chinese modern economic society. When these three industries combined to one trend, it forms this thesis which research object is designing real-estate financial products in internet finance firms. Just as the name implies, internet finance firm's real-estate finance products are belongs to finance filed but they need to put in related real-estate activities. These products are outcomes by deeply combining real-estate finance and internet finance. It needs to be emphasized that these products not just only relate to real-estate industry, but also connect with internet technology, new-coming organizational mode and transaction structures or rules under this internet era. Internet finance is a developing industry during past five years. Under the "Internet +" trend in China, real-estate internet finance's developing rapidly, which adds energy and hope to real-estate industry and improves the efficiency and service. Especially, it is benefit to Chinese government policies with minimizing inventories to the industry. Many real-estate companies and internet financing companies deeply found the wide and cooperative chances and they showed their big confidence. But during the cooperative process, good products are insufficient. Good products must meet different groups' need which includes real-estate company, internet finance company, investors, and house buyers. Rely on author's team and his working experience and tracking the industry during a long time, through initially creating and learning some real-estate internet finance products, MSYD forms own products. MSYD can provide good products with the slogan called "invest money safely, earn money happily". Gradually, our design of real-estate internet financing product are popular in the consumer market because of our financial mode and risk control. This thesis studying the real-estate financial product design on internet financial company, and use the MSYD as the example to illustrate.
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