Proceedings of the 2019 4th International Conference on Financial Innovation and Economic Development (ICFIED 2019)

Research on Innovation Mechanism of Network Loan Clustering Based on CAS Theory

Authors
Rongzhen Xu, Meiqi Wang, Mengke He
Corresponding Author
Meiqi Wang
Available Online February 2019.
DOI
https://doi.org/10.2991/icfied-19.2019.4How to use a DOI?
Keywords
Network loan cluster, Theory of complex adaptive systems, Innovation model, Operating mechanism
Abstract
Small scale and large number of online loan companies provide new channels for financing of small and micro enterprises from the perspective of cost and risk. However, China's online loan industry has been in a state of loose and disorderly, with frequent problems. This paper discusses the current dilemma facing the net lending industry, explore the network clustering development model, which is based on the perspective of complex adaptive system for network clustering innovation loan pattern, and discussed with the CAS theory net credit cluster characteristics, in order to make the main body form a coordinated and orderly, efficient operation of the market operation mechanism. This paper holds that it is of great practical significance to gather into a sharable information resource and a network loan cluster system with a perfect social credit information system, and to build an operation mechanism suitable for the clustering of China's network loan market. Finally, relevant policy suggestions are put forward for realizing small but not weak, flexible and convenient financing needs of small and micro enterprises.
Open Access
This is an open access article distributed under the CC BY-NC license.

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Proceedings
Part of series
Advances in Economics, Business and Management Research
Publication Date
February 2019
ISBN
978-94-6252-678-5
ISSN
2352-5428
DOI
https://doi.org/10.2991/icfied-19.2019.4How to use a DOI?
Open Access
This is an open access article distributed under the CC BY-NC license.

Cite this article

TY  - CONF
AU  - Rongzhen Xu
AU  - Meiqi Wang
AU  - Mengke He
PY  - 2019/02
DA  - 2019/02
TI  - Research on Innovation Mechanism of Network Loan Clustering Based on CAS Theory
PB  - Atlantis Press
SP  - 14
EP  - 19
SN  - 2352-5428
UR  - https://doi.org/10.2991/icfied-19.2019.4
DO  - https://doi.org/10.2991/icfied-19.2019.4
ID  - Xu2019/02
ER  -