互联网信贷产品设计研究.docx

本科论文 本科论文 摘 要 本文内容包括四大部分，具体内容安排如下： 第一部分，绪论。绪论部分主要可以分为以下三个小的内容，首先我们介绍了本文通过研究的意义以及社会背景，为什么会选择互联网金融信贷产品为研究发展对象，而研究我国互联网信贷产品对目前的学术界的研究有什么意义；其次就是本文的研究设计小思路和研究工作方法；最后进行介绍了互联网信贷小产品技术研究的创新之处。 第二部分，互联网信贷产品设计概述。简要叙述了互联网信贷的定义以及特点，并且对互联网信贷发展的现状进行了分析，通过高校学生为例也进行了简要的分析，经过简要的分析强调了互联网信贷产品在高校学生中的必要性。 第三部分，以高校学生互联网信贷产品设立为例。互联网信贷产品的设计要素主要有贷款金额、贷款期限、还款方式、担保方式、贷款利率，这五个部分，在这一部分也是对这五个设计要素进行了详细的讲解，并且是以高校学生为例，根据探讨分析得出最终结果。 第四部分，互联网信贷产品的不足与未来发展建议。这一部分提出互联网信贷产品现在还有哪些不足之处。主要有三点：社会征信体系不成熟，互联网平台的安全风险，信贷制度不完善、成本不透明。关于互联网信贷产品的未来发展建议也有以下三点：健全完善社会征信体系和加强消费者信用意识教育，加强互联网信息安全监管，提高信贷制度的透明度。期望本文所得出的理论和观点能够丰富互联网信贷产品的研究领域，但是由于作者水平有限，本文的理论性尚有不足。希望各位老师指正。 关键字：互联网信贷，产品设计，高校学生 Abstract This article consists of four parts, the specific content is as follows: The first part is the introduction.The first is the research background and significance of this article. The second is the research ideas and methods of this article. Finally, the innovation of the research on network credit products is introduced. The second part is an overview of network credit product design. The definition and characteristics of Internet credit and its current development are briefly described. Taking college students as an example, it also makes a brief analysis. After a brief analysis, it emphasizes the necessity of Internet credit products among college students. The third part takes the establishment of college students online credit products as an example. The design principle of network credit product elements is very important for network credit products. The design elements of network credit products mainly include loan amount, loan term, repayment method, guarantee method and loan interest rate.Taking college students as an example, the final results are obtained through discussion and analysis. The fourth part, the shortage of network credit products and suggestions for future development. This part points out the shortcomings of network credit products. There are three main points: immature social credit system, network pl