网络借贷（P2P）平台的成长模型研究

发布时间：2018-01-02 00:18

本文关键词：网络借贷（P2P）平台的成长模型研究　出处：《大连理工大学》2013年博士论文　论文类型：学位论文

【摘要】：随着国家金融管制逐步开放,在中国巨大的人口基数与日渐旺盛的融资需求下,基于互联网的新型借贷模式-个人对个人(Peer-to-Peer,简称P2P)网络借贷将在国内呈现膨胀式发展。然而,由于目前描述网络借贷(P2P)平台成长规律的成长机制模型没有更多更好的表现,且平台的成长要素也没有明确一致的认识。因此,伴随着逐渐激烈的行业竞争,平台的生存与发展将受到挑战。本研究分别从自我成长、竞争成长和生存与发展要素角度构建了平台自主学习价值的动力学模型、合作下的平台竞争模型和平台的综合评价模型。具体研究工作如下： 1.构建了含“富者愈富”特性和“自主学习价值”的网络借贷(P2P)平台成长动力学模型。从非线性动力学角度研究了学习反馈延迟对网络借贷(P2P)平台成长的影响,挖掘出学习反馈延迟与平台的“赢家通吃”、“共存”以及“周期波动”现象之间的关系,该延迟用来反映平台自主学习能力强弱,体现了平台自主学习价值。研究结论揭示了平台自主学习价值的重要性,加深了平台运营商对平台成长的认识。数值仿真实验验证了模型的有效性及可行性。 2.深入研究了网络借贷(P2P)平台在成长中可能出现的周期波动现象。基于中心流形定理和规范式方法得到了一系列决定平台发展稳定性和周期波动性的具体表达公式。研究揭示了平台在成长过程中表现的“你追我赶”、“此起彼伏”动态发展特征,对平台运营商深度认识平台成长规律和制定相关竞争策略具有一定的参考价值和指导意义。 3.建立了合作下的网络借贷(P2P)平台竞争模型。通过对模型均衡解的分析,从理论上验证了合作可以实现平台间的互惠共赢,找到了平台间合作程度与平台的“赢家通吃”和“共存”现象之间的关系。研究结论为实施合作竞争策略的平台运营商提供了参考依据。数值仿真实验验证了相关结论的有效性及可行性。 4.提出并构建了一种针对网络借贷(P2P)平台的综合评价方法模型,即基于层次分析法(AHP)和三参数区间模糊逼近理想点排序法(TOPSIS)的综合评价模型。其中层次分析法和三参数区间值模糊值分别用于获得平台指标权重和表达专家偏好,而逼近理想点法对平台进行排序。该模型不仅可为平台的生存与发展指明方向,而且也可为网贷客户的平台应用选择提供理论指导。算例分析表明,所构建的评价模型具有一定的适用性。本研究提出的成长模型和综合评价方法在一定程度上丰富补充了电子商务和决策理论与方法,同时也为网络借贷(P2P)平台的健康发展提供了有效的指导建议。
[Abstract]:With the country's financial regulation gradually opening up, Chinese in the huge population and increasing financing needs, new lending model of Internet based on person to person (Peer-to-Peer, referred to as P2P) will present the network lending expansion in China. However, due to the current description of the network lending (P2P) growth mechanism model of growth platform no more and better performance, growth factors and platform have no clear and consistent understanding. Therefore, along with the gradually fierce competition, the survival and development of the platform will be challenged. This study from self growth, competitive growth and survival and development point of view to build a platform for autonomous learning model value, comprehensive evaluation the platform competition model and platform for cooperation under the model. The main research work is as follows:
1. construct a "rich richer" and the characteristics of "autonomous learning network lending platform value" (P2P) growth dynamics model. From the perspective of nonlinear dynamics of learning feedback delay on network lending platform (P2P) affect the growth, dig out the learning feedback delay and the platform of "winner", "the relationship between coexistence" and "cycle" phenomenon, the delay is used to reflect the ability of autonomous learning platform, platform reflects the independent learning value. The conclusion of the study reveals the importance of autonomous learning platform value, deepen the understanding of the platform operators on the platform for growth. Numerical simulation results verify the validity and feasibility of the model.
2. in-depth study of the network lending (P2P) fluctuation phenomenon may occur in the growth of the platform. The center manifold theorem and the normal form method was obtained based on the specific formula is a series of platform development stability and periodic fluctuation. The study reveals the platform in the process of growing up "," the characteristics of the dynamic development of race each other "as one falls, another rises", has a certain reference value and guiding significance of platform growth law and formulate relevant competitive strategy on the platform operators in the depth of understanding.
3. to establish a cooperative under the network lending platform competition (P2P) model. Through analysis of the equilibrium solution of the model is proved theoretically, can achieve mutual benefit and win-win cooperation platform, find out the relationship between the degree of cooperation between the platform and the platform "winner" and "coexistence" phenomenon. The research conclusion provides a reference the basis for the implementation of cooperation strategy, platform operators. Numerical simulation results verify the effectiveness and feasibility of the related conclusion.
The 4. is proposed for network lending platform (P2P) model of the comprehensive evaluation method, which is based on the analytic hierarchy process (AHP) and the three parameter interval fuzzy TOPSIS method (TOPSIS) of the comprehensive evaluation model. The AHP and three parameters interval valued fuzzy values were used to obtain the index weight and platform the expression of preference of experts, and the TOPSIS method to sort the platform. This model can not only indicate the direction for the survival and development of the platform, but also can provide theoretical guidance for the application of net loan platform customers. Examples show that the evaluation model constructed has certain applicability.
The growth model and comprehensive evaluation method proposed in this study enrich the e-commerce and decision theory and methods to a certain extent, and also provide effective guidance for the healthy development of P2P platform.

【学位授予单位】：大连理工大学
【学位级别】：博士
【学位授予年份】：2013
【分类号】：F832.4

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