P2P在线借贷平台社会资本测量及作用问题研究

发布时间：2018-08-07 19:58

【摘要】：P2P在线借贷(Online Peer-to-Peer Lending,或者Online people-to-People Lending,也叫做Social Lending),即个人与个人之间的网络借贷,是2005年最早在英国开始出现的一种基于互联网络的金融创新服务。P2P在线借贷是一种不依赖于传统的金融机构,直接在互联网上通过交易平台实现金融借贷业务的一种方式,是一种互联网技术与传统金融业务结合的一种金融服务创新。而P2P在线借贷平台,就是提供P2P在线借贷服务的金融服务网站。通过P2P在线借贷平台,用户通过提出借款申请(listing),出借人根据借款申请列表选择借款人,通过投标(bidding)方式竞标,通过系统对信启、的匹配撮合,完成交易过程。这种方式,使陌生人与陌生人之间通过网络完成借贷成为可能,从这个意义上讲,P2P在线借贷是一种由交易平台(网站)扮演信用中介提供的一种特定于借贷业务的信用交易服务。 P2P在线借贷的基本思想来源于尤努斯的“乡村银行”的价值理念,与互联网技术结合,随着社会网络服务兴起,逐步从线下模式发展到线上模式,自一出现,迅速在全球发展起来。我国从2007年开始出现第一家P2P在线借贷平台——创建于上海的拍拍贷网站,随后,国内P2P在线借贷平台如雨后春笋般快速出现。 P2P在线借贷基于互联网,社会网络提供了广阔的用户基础,社会网络所带来的价值也影响了P2P在线借贷平台的模式,对用户参与借贷交易行为也具有重要的影响和作用,同时还对平台的风险等问题有着一定的作用。社会网络与社会资本存在密切的关系,P2P在线借贷平台的社会资本形式表现为网站中多重关系网络的叠加,通过对于平台的社会网络分析可以更好了解平台的社会资本和用户个体的社会资本情况,用助于帮助平台更加合理地扩大其社会网络,增长其社会资本,充分发挥用户的社会资本价值,促进平台的发展。通过对文献的研究,本文研究集中在P2P在线借贷平台的社会资本的测量上,从社会网络的角度,以社会资本理论为主要理论基础,通过社会网络分析方法,围绕P2P在线借贷平台社会资本的测量指标缺乏和测量的难题开展研究,主要研究内容包括P2P在线借贷平台的社会网络与社会资本问题的研究、P2P在线借贷平台社会资本基本测量指标体系的建立、P2P在线借贷平台社会资本基本测量指标的测量方法和具体测量,并通过实证对测量指标的有效性进行检验,对其作用进行分析等三个方面。本论文主要应用的研究方法有三种：第一,文献研究方法,主要通过对社会资本理论和P2P在线借贷研究中针对社会资本影响的部分进行初期的研究,为下一步研究工作提供理论支撑和研究参考；第二,跨学科研究方法,主要基社会资本理论和社会网络分析方法,对P2P在线借贷平台的社会网络和社会资本之间的关系及作用开展研究,借鉴社会网络分析的研究成果,结合P2P在线借贷平台的社会网络关系数据的特点提出建立社会资本基础测量指标的体系及具体测量方法；第三,实证分析,通过对国内最早引入社会网络关系的P2P在线借贷平台上海拍拍贷网站的运行数据为例,对提出的P2P在线借贷平台整体网站的社会资本基本测量指标体系进行实证分析和验证,对指标的有效性及其作用进行检验。本文的创新点包括： 1.本文研究是国内首次基于社会网络视角对P2P在线借贷的研究,重点研究了社会网络对P2P在线借贷在模式选择、用户行为等方面的影响作用,也是国内P2P研究中首次基于社会网络角度的实证研究。弥补了相关实证研究的不足；另一方面也丰富了社会网络研究的研究内容和对象,对P2P在线借贷和社会网络研究两个方面都有其研究意义； 2.本文研究是P2P在线借贷研究首次关于社会资本基本测量指标体系建设方面的研究,提出了P2P在线借贷平台社会资本基本测量指标体系(表)和具体的测量方法,为今后研究P2P在线借贷中的社会资本指标参数提供了一个参照系,有助于解决相关研究中社会资本测量指标不统一和缺失的困惑问题； 3.本文研究是国内P2P在线借贷研究首次通过引入社会网络分析方法和具体测量工具,为今后的研究提供了新的研究视角和研究方法上的借鉴。本文研究的成果意义包括在两方面：第一,理论贡献,本文基于社会网络视角和方法对P2P在线借贷进行研究,是P2P在线借贷的基础性研究,涉及P2P在线借贷的模式研究、用户行为研究和风险控制研究等多个方面。本研究从社会网络的研究角度提出P2P在线借贷网站的社会资本测量问题,通过对P2P在线借贷平台的社会网络数据中社会资本缺乏统一的量度标准和测量方法的难题,从社会网络分析和社会资本之间关系进行分析,借助社会网络方法对社会网络研究的成果和方法,提出了相应的P2P在线借贷平台社会资本测量指标体(表),并通过实证研究对其有效性进行了证明,对于P2P在线借贷研究来说,有助于为相关的社会资本方面的研究提供一个统一的指标参考,也有助于对基于统一指标的研究成果进行比较,具有一定的理论研究贡献,所采用跨学科研究的方式,特别是引入社会网络分析方法,也为P2P在线借贷研究提供了一种新的研究方法和研究角度。同时,从基于拍拍贷网站的相关社会网络的实证研究,也填补了国内社会网络在P2P借贷方面的研究空白,丰富了社会网络研究及社会网络分析的研究,对于今后的研究提供了借鉴。第二,现实意义。本文通过建立P2P在线借贷平台的整体网络社会资本的测量指标体系,引入社会网络分析方法和具体测量,有助于解决P2P在线借贷中社会资本难以测量的问题,为相关研究的社会资本测量问题提供了一个可供借鉴的参照；通过拍拍贷网站的实证研究,对社会网络在P2P在线借贷平台中的作用有了更加明确的分析,对于平台具体的应用提供了进一步改进的建议和方向,所使用的社会网络分析方法对于P2P在线借贷平台可以用来对其用户的社会关系网络进行深入的分析和数据挖掘,比如对其关系中存在的社群划分进行分析,找出用户中具有高中心度的用户加以更多的介绍,扩大其价值从而吸引更多的用户与其建立联系,扩大用户关系网络等等。
[Abstract]:P2P online lending (Online Peer-to-Peer Lending, or Online people-to-People Lending, also called Social Lending), the Internet lending between individuals and individuals, is the earliest financial innovation service based on the Internet, which began in the UK in 2005, and is a financial institution that is not dependent on traditional financial institutions. A way to achieve financial lending through a trading platform on the Internet is a financial service innovation that combines Internet technology with traditional financial services. The P2P online lending platform is a financial service website that provides P2P online lending services.
Through the P2P online lending platform, the user chooses the loan application (listing), the lenders choose the borrower according to the loan application list, bid (bidding), and complete the transaction process through the system to match and match the letter and start. This way, it is possible to complete the loan between strangers and strangers through the network, from this In a sense, P2P online lending is a credit transaction service provided by a trading platform (website) acting as a credit intermediary.
The basic idea of P2P online lending comes from the value concept of Yunus's "rural bank", combined with Internet technology. With the rise of social network services, it has gradually developed from the offline mode to the online model. It has developed rapidly in the world since it appeared.
In 2007, China began to appear the first P2P online lending platform - a patted and loan website created in Shanghai. Then, the domestic P2P online lending platform has sprung up quickly.
P2P online lending is based on the Internet, and the social network provides a broad user base. The value of social network also affects the model of P2P online lending platform. It also plays an important role in the user's participation in borrowing and lending behavior, but also has a certain role in the risk of the platform. Social network and social capital There is a close relationship. The social capital form of the P2P online lending platform is displayed as the superposition of multiple relational networks on the web site. Through the social network analysis of the platform, the social capital and the social capital of the users can be better understood, which helps to help the platform more rationally expand its social network and increase its society. Capital, give full play to the user's social capital value, and promote the development of the platform.
Through the study of the literature, this paper focuses on the measurement of the social capital of the P2P online lending platform. From the angle of the social network, the social capital theory is the main theoretical basis. Through the social network analysis method, the research on the problem of the lack and measurement of the measurement index of social capital on the P2P online lending platform is mainly studied. The content includes the research on social network and social capital of P2P online lending platform, the establishment of basic measurement index system of social capital on P2P online lending platform, the measurement method and concrete measurement of basic measurement index of social capital on the P2P online lending platform, and testing the effectiveness of measurement index through empirical analysis and its effect Three aspects, such as line analysis, etc.
There are three kinds of research methods used in this paper.
First, the literature research method, mainly through the social capital theory and the P2P online lending research on the impact of social capital on the initial research, to provide theoretical support and research reference for the next step of the research work.
Second, interdisciplinary research methods, the main basis of social capital theory and social network analysis method, study the relationship and role of social network and social capital between P2P online lending platform, draw on the research results of social network analysis, and combine the characteristics of social network relationship data of P2P online lending platform to establish social capital. The basic measurement index system and specific measurement methods.
Third, empirical analysis, through the first introduction of the P2P online lending platform, the earliest online lending platform in China, Shanghai patting and lending website, as an example, this paper makes an empirical analysis and verification of the basic social capital measurement index system of the P2P online lending platform as a whole, and tests the effectiveness and role of the index.
The innovation points of this article include:
1. this study is the first research on P2P online lending based on social network perspective in China. It focuses on the impact of social network on P2P online lending in mode selection, user behavior and so on. It is also the first empirical study based on social network in domestic P2P research. The other side makes up for the insufficiency of the relevant empirical research; the other side is the other side. It also enriches the research contents and objects of social network, and has its research significance on P2P online lending and social network research.
2. this study is the first research on the construction of the basic measurement index system of social capital by P2P online lending research. It puts forward the basic measurement index system of social capital (table) and specific measurement methods of P2P online lending platform, which provides a reference system for the study of social capital index parameters in P2P online lending in the future. To solve the confusion of social capital measurement indicators in related research.
3. this study is the first time that the domestic P2P online lending research has introduced the social network analysis method and the specific measuring tool for the first time. It provides a new research perspective and research method for future research.
The significance of this study includes two aspects:
First, theoretical contribution, this paper is based on the social network perspective and method to study P2P online lending, which is the basic research of P2P online lending. It involves the model research of P2P online lending, the research of user behavior and risk control research. This research puts forward the social capital of P2P online lending website from the perspective of social network. This measurement problem, through the lack of unified measurement standard and measurement method of social capital in the social network data of P2P online lending platform, this paper analyzes the relationship between social network analysis and social capital, and puts forward the corresponding P2P online lending platform by means of social network method. Social capital measurement index body (table), and through empirical research to prove its effectiveness, for P2P online lending research, is helpful to provide a unified index reference for the related social capital research, and also help to compare the research results based on the unified index, and have a certain theoretical research contribution. Interdisciplinary research, especially the introduction of social network analysis, provides a new research method and perspective for P2P online lending.
At the same time, the empirical research based on the related social network based on the patted loan website also fills the gap in the research of domestic social network in P2P lending, enriches the research of social network research and social network analysis, and provides a reference for future research.
Second, practical significance. Through the establishment of the overall network social capital measurement index system of P2P online lending platform and the introduction of social network analysis method and specific measurement, it is helpful to solve the problem that the social capital is difficult to measure in P2P online lending, and provides a reference for the related research on social capital measurement. Through the empirical study of the patted loan website, the role of the social network in the P2P online lending platform is more clearly analyzed, and the suggestions and directions for further improvement are provided for the specific application of the platform. The social network analysis method used for the P2P online lending platform can be used for the social relations network of its users. Carry out in-depth analysis and data mining, such as the analysis of the community division in its relationship, find out users with high school heart rate to introduce more, expand their value so as to attract more users to establish contact with them, expand the network of user relations, and so on.
【学位授予单位】：西南财经大学
【学位级别】：博士
【学位授予年份】：2013
【分类号】：F830.5

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