P2P網路借貸平台：On Deck Capital, Inc.

Abstract

本報告欲瞭解P2P網路借貸平台的運作、現況及未來發展。我們選擇Ondeck為研究P2P網路借貸平台的企業，首先透過網路蒐集相關資料，並將資料彙整分析，以做為介紹企業及概況、運作方式與系統、優勢與劣勢之參考依據，並提出未來發展可能性。我們發現Ondeck實際運作層面並非預想中的順利，所面臨的營運風險，比傳統商業銀行更大，在資金流通上，要仰賴專業系統的輔助，而在資訊的安全性、對稱性及可靠性更需要嚴格控管，所以如何在獲利成長與風險控管成本之間取得平衡，考驗領導者的能耐。

To understand the operation, current status and future development of online P2P lending platform, we choose Ondeck online P2P lending platform enterprise as our research. We gather relevant information through the Internet and organize the materials. We find that actual operational level is not smooth as expected. Their operational risks are high than traditional commercial banks. They highly rely on professional auxiliary system. Specifically, safety, reliability and symmetry of information are needed. So, it is a test to leader’s ability on how to strike a balance between profitable growth and risk control costs.