CAJ | 학술논문

随着“互联网金融风暴”强势来袭，各种依靠搜索引擎、社交网络、云计算等科技手段发展的互联网公司得到迅速发展。本文分析了P2P网贷平台行业背景，论述了P2P网贷发展现状及特点，通过对国内外学者们商业模式表达模型的研究进行总结归纳，确立了包含洞察价值、创造价值、传递价值和获取价值4个基本要素的商业模式表达模型，进而对P2P网贷平台商业模式进行分析。
수착“호련망금융풍폭”강세래습，각충의고수색인경、사교망락、운계산등과기수단발전적호련망공사득도신속발전。본문분석료P2P망대평태행업배경，논술료P2P망대발전현상급특점，통과대국내외학자문상업모식표체모형적연구진행총결귀납，학립료포함동찰개치、창조개치、전체개치화획취개치4개기본요소적상업모식표체모형，진이대P2P망대평태상업모식진행분석。
The strong "Internet financial storm" brings about a rapid development for various Internet compa-nies which rely on search engines, social networks, cloud computing and other technological means. This paper an-alyzes the background of the P2P net loan platform industry, discusses its status quo of development and charac-ters. Through the study of domestic and foreign scholars, the paper has conducted a representation model of four basic elements for business model, namely the value contained insight, creating value, delivering value and acquisi-tion value, and then analyzes the business model for P2P net loan platform.