中国P2P网络借贷平台融资效率影响因素分析

发布时间：2018-05-27 18:27

本文选题：P2P网络借贷 + 融资效率　；参考：《天津大学》2014年硕士论文

【摘要】：P2P网络借贷是一个相对较新的近年来发展迅猛的互联网金融创新借贷模式,基于互联网为有借款融资需求的个人和愿意将闲置资金进行投资的个人提供中介服务平台,建立信用借贷关系。P2P网络借贷模式2006年进入中国,借助网络和社区化力量,自2012年起得到迅速发展。该模式强调每个人的参与性,一般为小额无抵押信用贷款,主要的借入者人群是中低收入阶层。平台设定了法定最高利率限制,借款用户在此范围内设定自己的还款利率。平台本身不参与借贷活动,而是提供相关信息、监督和服务等,在这个过程中,投资用户获得利息回报,借款用户获得资金周转,而P2P网络借贷平台收取一定的手续费。本文以人人贷网络借贷平台真实的借款订单交易数据为基础,对借款订单的基本信息和借款用户个人特征进行统计分析,运用数据包络方法实证分析了每一笔借款订单的融资效率,发现中国P2P网络借贷平台借款订单融资效率整体偏低的结论。基于列联表分析方法和因子分析方法,对借款用户个人特征与借款订单融资效率的相关性进行了研究,发现中国P2P网络借贷平台中借款用户的年龄、月收入情况、信用等级、学历情况、婚姻状况、工作年限、房产房贷和车产车贷等八项指标对借款订单融资效率有直接影响,并将其分为借款用户基本信息、收入能力和安全性三大方面。同时对我国P2P网络借贷平台在未来发展及如何提高借款订单融资效率方面提出了建议。
[Abstract]:P2P network lending is a relatively new and rapid development in recent years of Internet financial innovation lending model, based on the Internet for borrowing and financing needs of individuals and willing to invest idle funds to provide intermediary services platform. Establishing the credit lending relationship. P2P network loan model entered China in 2006. With the help of network and community power, it has developed rapidly since 2012. The model emphasizes the participation of everyone, generally for small unsecured credit loans, and the main borrowers are middle and low income groups. The platform sets a legal maximum interest rate limit, within which borrowers set their repayment rates. The platform itself does not participate in lending activities, but provides relevant information, supervision and services. In this process, investment users obtain interest returns, loan users get capital turnover, and P2P network lending platform charges certain fees. Based on the real transaction data of loan orders, this paper makes a statistical analysis on the basic information of loan orders and the personal characteristics of loan users. The paper empirically analyzes the financing efficiency of each loan order by using the data envelopment method, and finds that the financing efficiency of Chinese P2P network lending platform is on the low side as a whole. Based on the method of column table analysis and factor analysis, this paper studies the correlation between the individual characteristics of loan users and the financing efficiency of loan orders, and finds out the age, monthly income, credit rating of loan users in China's P2P network lending platform. Education, marital status, working years, real estate loans and car loans have a direct impact on the financing efficiency of loan orders, and can be divided into three aspects: basic information of loan users, income ability and security. At the same time, the paper puts forward some suggestions on how to improve the efficiency of loan order financing in the future development of P2P network lending platform in China.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.4

【参考文献】