： 2007年中国第一家P2P网络借贷平台成立，为互联网金融在我国的发展开创了 新模式。但是，P2P网络借贷平台快速发展的同时，由于准入门槛低、无欧亿·体育（中国）有限公司标准、监 管不到位等原因，一些P2P网络借贷平台企业打着高收益率、资金稳定可靠的幌子，虚 构借款项目吸引大量出借人涌入，转而卷钱跑路。近年来，随着欧亿·体育（中国）有限公司问题的不断加剧， 2016年以来多部门联合下发了多个文件，加强对网络借贷平台的规范管理，并从2018 年开始加大整治力度，要求在相关部门的引导下网络借贷平台以清退和转型为主要目标。 在较为严厉的政策大背景下，本文将分析网络借贷欧亿·体育（中国）有限公司目前的现状以及欧亿·体育（中国）有限公司可能会存在 的变化，并对如何转型给出一定的建议。 本文主要以文献研究法和案例分析法，结合战略转型相关理论和网络借贷相关理论， 对当前P2P网络借贷欧亿·体育（中国）有限公司的现状进行解读，同时，对T公司的具体产品、业务情况、客 户情况等进行分析，为其找到合适的转型方向，并给出相关转型建议。本文的研究对当 前P2P网络借贷欧亿·体育（中国）有限公司转型发展也具有一定的实际意义，并希望对其他类似的P2P网络借 贷平台的转型和发展提供相关借鉴。 关键词：P2P；网络借贷；战略转型；转型发展 II Research on transformation and development of T company in P2P Network Loan Major：Business Management Student： QiuWei Tutor：QiXiaoling Abstract：The first Peer-to-Peer network lending was established in 2007, which initiated a new model for the development of Internet finance in China. However, there are some P2P network lending companies announce with ex-ordinary interests, claimed stable and reliable, even forge loan projects to attract numerous investors with the rapid development of P2P lending. Eventually they absconded with the money for lacking of industry standards, low market access threshold and inadequate supervision. With the aggravation problems emerging in recent years, the supervision authorities issued several relevant documents to require strengthen the renovation in 2016. In 2018, it takes the liquidation and transformation as the main purpose, which shall under the supervision of relevant authorities. In the context of stringent policies, this paper will analyze the current situation of network lending industry and the changes of industry that may happened, and given some advice on the transforming. Based on literature review and case analysis, this paper combining with the relevant theory and strategic transformation network lending related theory, researches the present situation of the P2P lending industry, as well as giving suggestions of the transformation after analyzing the studying the specific products of the T company such as business situation, customer situation, etc .The research of this paper also has certain practical sense for the current transformation and development of P2P network lending industry, and expects to provide reference for the transformation and development for other P2P network lending enterprise. Key words：P2P；Loan online platform；Strategy Transition; Transformation and development 四川师范大学硕士学位论文 四川师范大学硕士学位论文 III 目 次 摘要 ............................................................................................................................................. I Abstract ...................................................................................................................................... II 目次 1 绪论 ............................................................................................................................................................. 1 1.1 研究背景及意义 .............................................................................................................................. 1 1.2国内外研究综述 ............................................................................................................................... 1 1.2.1国外文献综述 ........................................................................................................................ 1 1.2.2国内文献综述 ........................................................................................................................ 3 1.2.3文献述评 ................................................................................................................................ 4 1.3主要内容和研究方法 ....................................................................................................................... 4 1.3.1主要内容 ................................................................................................................................ 4 1.3.2研究方法 ................................................................................................................................ 5 1.4本文的创新点 ................................................................................................................................... 5 2 P2P网络借贷平台概念及相关理论 .......................................................................................................... 6 2.1P2P网络借贷平台概念 ..................................................................................................................... 6 2.1.1P2P网络借贷平台的定义 ...................................................................................................... 6 2.1.2P2P网络借贷平台的特点 ...................................................................................................... 6 2.1.3P2P网络借贷平台的服务对象 .............................................................................................. 7 2.1.4P2P网络借贷平台的经营模式 .............................................................................................. 7 2.2 P2P网络借贷平台现状和转型的必要性 ........................................................................................ 8 2.2.1P2P网络借贷政策现状 .......................................................................................................... 8 2.2.2P2P网络借贷欧亿·体育（中国）有限公司现状 .......................................................................................................... 9 2.2.3 P2P网络借贷平台转型的必要性 ....................................................................................... 10 2.3 战略转型相关理论 ........................................................................................................................ 11 2.3.1战略管理 .............................................................................................................................. 11 2.3.2战略转型 .............................................................................................................................. 11 2.3.3 SWOT分析方法 ................................................................................................................... 12 3 P2P网络借贷转型发展方向分析 ............................................................................................................ 13 3.1小贷公司 ......................................................................................................................................... 13 3.1.1 P2P网络借贷转型为小贷公司可能性分析 ....................................................................... 13 3.1.2 P2P网络借贷转型为小贷公司可能存在的难点 ............................................................... 13 3.2助贷机构 ......................................................................................................................................... 15 3.2.1P2P网络借贷转型为助贷机构可能性分析 ........................................................................ 15 3.2.2P2P网络借贷转型为助贷机构可能存在的难点 ................................................................ 16 3.3消费金融公司 ................................................................................................................................. 17 3.3.1P2P网络借贷转型为消费金融公司可能性分析 ................................................................ 17 3.3.2 P2P网络借贷转型为消费金融公司可能存在的难点 ....................................................... 17 3.4 综合理财公司 ................................................................................................................................ 18 3.4.1 P2P网络借贷转