摘要
I
摘要
农村信用社一直以来是支持“三农”、“中小微企业”和县域经济的农村金
融主力军。近年来，随着互联网金融的兴起和快速发展，金融行业的竞争愈演愈
烈，农村信用社不仅面临与其他传统金融机构的残酷竞争，同时也受到了互联网
金融不小的冲击，市场份额在逐渐减少，经营压力越来越大，农村信用社遇到了
前所未有的最为严峻的挑战

本文以农村信用社 O2O 信贷业务作为研究对象，主要从风险分析、管理方法
等方面采用了采用文献分析法、SWOT 分析法、层次分析法和实证分析法对农村
信用社 O2O 信贷业务的风险因素和管理方法进行了具体分析

首先用文献分析法，总结了互联网金融及互联网 P2P 借贷的发展现状，具体
分析互联网 P2P 借贷对农村信用社的冲击和影响；其次，采用 SWOT 分析法，具
体分析了农村信用社的优势、劣势、外部面临的机会和威胁，指出农村信用社开
展O2O信贷业务的原因和必要性，进而构建农村信用社O2O信贷业务的流程；然
后，利用 AHP 层次分析法着重分析农村信用社 O2O 信贷业务的风险因素及各种
风险因素对 O2O 信贷业务的影响程度，同时，引入实际的案例及数据对风险因素
的权重分析结果进行了论证；最后，有针对性地提出了 O2O 信贷业务的风险管理
办法

关键词：互联网金融，农村信用社，O2O 信贷，AHP，风险分析ABSTRACT
II
ABSTRACT
Rural credit cooperative is always the primary rural financial force to support
“agriculture”, “medium small and micro-sized enterprises” and county economy. In
recent years, with rise and rapid development of Internet finance, financial industry has
had more and more fierce competition. rural credit cooperative not only encounters
cruel competition with other traditional financial institutions, but also suffers from
much impact of Internet finance, which results in gradually decreasing market share,
more and more operation pressure, as well as unprecedentedly severe challenge for rural
credit cooperative.
The paper takes O2O credit business of rural credit cooperative as research subject,
uses document analysis method, SWOT analysis method, analytic hierarchy process
method and demonstration analysis method to specifically analyze risk factors and
management method for O2O credit business of rural credit cooperative.
Firstly, document analysis method is used to conclude current development
situation of Internet finance and Internet P2P loan, and specifically analyze the impact
and influence of Internet P2P loan on rural credit cooperative; secondly, SWOT analysis
method is used to specifically analyze the advantages, disadvantages, external
opportunity and threat of rural credit cooperative, putting forward the reasons and
necessity of O2O credit business of rural credit cooperative, so as to construct procedure
of O2O credit business of rural credit cooperative; thirdly, AHP analytic hierarchy
process is used to focus on analysis of influence of risk factors of O2O credit business
of rural credit cooperative and other various kinds of risk factors on O2O credit
business. In the meantime, actual cases and data are introduced to prove results of
weight analysis of risk factors; finally, the paper puts forward risk management
measures of O2O credit business.
Keywords: Internet Finance, Rural Credit Cooperative, O2O Credit Business, AHP,
Risk Analysis目录
III
目录
第一章 绪论........ 1
1.1 研究背景及意义. 1
1.1.1 研究背景 .. 1
1.1.2 研究意义 .. 2
1.2 国内外研究现状. 3
1.2.1 互联网金融发展的研究现状 ...... 3
1.2.2 互联网 P2P 借贷发展的研究现状.......... 4
1.2.3 O2O 模式发展的研究现状 .......... 4
1.3 论文主要研究内容......... 5
1.4 论文研究方法及研究思路......... 5
1.4.1 论文研究方法 ...... 5
1.4.2 论文研究思路 ...... 6
1.5 论文主要创新..... 6
1.6 本章小结. 6
第二章 互联网金融与 P2P 借贷.......... 7
2.1 互联网金融概念及特点. 7
2.1.1 互联网金融概念 .. 7
2.1.2 互联网金融特点 .. 7
2.2 互联网金融的发展模式. 8
2.3 互联网 P2P 借贷发展现状 ........ 9
2.3.1 互联网 P2P 借贷的概念.. 9
2.3.2 互联网 P2P 网贷平台的运营模式........ 10
2.3.3 互联网 P2P 借贷的发展现状及优势..... 10
2.4 互联网 P2P 借贷对农村信用社的冲击和影响 ...........11
2.5 本章小结........... 12
第三章 农村信用社 O2O 信贷业务流程体系13
3.1 四川省农村信用社简介........... 13
3.2 农村信用社 SWOT 分析 ......... 13
3.2.1 优势分析13
3.2.2 劣势分析15目录
IV
3.2.3 机会分析16
3.2.4 威胁分析17
3.3 国内商业银行 O2O 模式的发展现状. 18
3.4 农村信用社开展 O2O 信贷业务的原因......... 20
3.4.1 农村信用社信贷业务现状 ........ 20
3.4.2 农村信用社金融服务 O2O 模式的着力点 ...... 23
3.4.3 O2O 信贷业务带来的好处 ........ 23
3.5 农村信用社 O2O 信贷业务流程体系构建..... 25
3.5.1 农村信用社 O2O 信贷业务流程框架 .. 25
3.5.2
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