摘 要
21 世纪的今天是互联网金融的时代，它在以极快的速度发展着，并悄然改
变和颠覆了我们的生活。P2P 网络借贷作为一个新兴的投融资模式，大大改变了
传统的金融模式， 年 P2P 网贷模式正式进入了国内，并在不断的兴起和发
展着。然而，由于中国信用体制缺乏，没有相应的监管措施，风控不到位以及
等等因素，我国 P2P 网络借贷平台陆续出现倒闭潮，“跑路事件”也频频出现，
于是在快速发展过程中暴露出了许多不良问题

信和财富是近年来发展迅速的 P2P 公司之一，它以严谨的风控技术和良好
的运营机制在如今整个 P2P 行业占据重要一席。然而在不断发展和扩张的过程
中，信和财富公司也遇到了来自内部外部的诸多挑战。本文将信和财富公司的
发展战略进行研究，结合互联网金融所带来的深刻影响，分析信和财富在市场
竞争中的优势、劣势、机遇和挑战，从而提出信和财富公司在未来的发展战略
规划：即成为一家综合金融服务的控股集团。这一战略规划应该于五到六年时
间实现，文中依照信和财富的战略选择去部署相应的战略措施

现在的互联网金融发展竞争激烈，监管的靴子还未落地，信和财富要保持
良性的发展，就必须适时地做出自我调整，时刻做好自律工作，并且认清自身
优势劣势，扬长避短。相信在不久的将来，相关监管办法一定会落地，在这段
时期内，信和财富应该抓住时代机遇，与时俱进做出转型，坚持立足于本，发
展壮大，这对于信和财富在未来正确向前的发展有着重大意义

关键词：互联网金融； P2P；信和财富Abstract
II
ABSTRACT
Nowadays, the twenty-first century is the era of internet financial. It is in the
rapid development and quietly changed and subversion of our life. As a new
investment mode, P2P lending greatly changed the traditional financial model. In
, P2P lending officially landing in China, with continuously development and
expansion. Due to the lack of credit system in China, corresponding regulatory rules ,
rigorously risk control and so on factors, P2P lending began to collapse, “running
away incident” happened frequently, thus, there exposed so many problems.
Credit Harmony is one of P2P companies which developed rapidly in the recent
years , it has rigorously risk control and great operating system, and occupy an
important position in the P2P industry. However, in the process of continuous
expansion, Credit Harmony also encountered many serious challenges. This paper
will focus on the development strategy of the Credit Harmony, combined with the
deep influence brought by the Internet financial, and analyzed the Credit Harmony of
the strengths, weaknesses, opportunities and challenges, and rise up the strategic plan
of Credit Harmony: being a comprehensive financial services group in the future.
This strategic planning should be finished in five to six years. According to the
strategic option in this paper, it will put forward the relevant strategic measures.
So far, the development of the Internet financial is fierce competition, and the
regulation of boots has yet to be born, The Credit Harmony should be keep the benign
development, it must be timely to make self adjustment, and timely to do a good job
of self-discipline. The Credit Harmony should also recognize its own advantages and
disadvantages, and then foster strengths and circumvent weaknesses. However, the
relevant regulation will arrived in the near future. During this period, the Credit
Harmony should grab the opportunities, advancing with the times to make
transformation, and adhere to its spirit to develop and grow, This paper will has great
significance to the forward development of the Credit Harmony in the future.
Key Words: Internet financial; P2P lending, Credit Harmony目录
III
目 录
第 1 章 导论.....1
1.1 选题的背景和意义 .....1
1.1.1 选题的背景 ......1
1.1.2 选题的意义 ......2
1.2 国内外研究现状 .........2
1.2.1 国外研究现状 ..2
1.2.2 国内研究现状 ..4
1.3 基本思路和研究方法 .5
1.3.1 基本思路 ..........5
1.3.2 研究方法 ..........6
第 2 章 发展战略理论概述.....7
2.1 经典战略管理理论 .....7
2.2 竞争战略理论 .8
2.3 核心能力战略理论 .....9
2.4 资源基础战略理论 ...10
2.5 企业发展战略的管理过程 ...10
第 3 章 互联网金融形势下 P2P 网络信贷的发展...13
3.1 互联网金融的发展趋势 .......13
3.2 P2P 网络信贷的产生与发展.15
3.2.1 P2P 网络信贷的产生..15
3.2.2 P2P 网络信贷在国内外的发展现状..16
3.2.3 行业监管与行业自律 17
第 4 章 信和财富的发展战略分析与选择...20
4.1 信和财富公司概况 ...20
4.1.1 信和财富发展历程 ....21目录
4.1.2 信和财富的行业定位 22
4.2 信和财富的 SWOT 分析 .....23
4.2.1 信和财富的优势 ........23
4.2.2 信和财富的劣势 ........26
4.2.3 信和财富的外部机遇 27
4.2.4 信和财富的外部威胁 30
4.3 信和财富的发展战略选择 ...32
4.3.1 信和财富的总体战略目标 ....32
4.3.2 信和财富的战略选择 34
第 5 章 信和财富的发展战略实施...35
5.1 发展创新业务模式 ...35
5.2 完善风控管理 ...........36
5.3 加强人才引进及培养 ...........38
5.4 科技的不断革新 .......39
5.5 加强品牌建设 ...........40
第 6 章 结论...41
6.1 结论 ...41
6.2 进一步工作的方向 ...42
致谢.....44
参考文献.........45第 1 章 导论
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