利率市场化对P2P行业发展的影响
发布时间：2018-07-24 19:50
【摘要】：通过对P2P收益率、利差和流动性进行回归分析,研究得出利率市场化条件下,P2P收益率受利差和流动性波动的影响,并且影响显著;通过P2P与商业银行之间的竞争关系,得出利率市场化可以促进P2P与商业银行竞争与发展。最后得出结论:利率市场化会使得部分P2P平台受到冲击甚至倒闭,但从整个行业的长期发展看,健全的金融市场实质上能够帮助P2P平台更快地发现问题、解决问题,实现更好的发展。
[Abstract]:Through the regression analysis of P2P yield, profit margin and liquidity, it is found that under the conditions of interest rate marketization, the P2P yield is affected by the difference of profit and liquidity, and the influence is significant. Through the competitive relationship between P2P and commercial banks, it is concluded that the interest rate marketization can promote the competition and development of P2P and commercial banks. Finally, the conclusion is that the benefit of the interest rate market can promote the competition and development of commercial banks. The rate of marketization will make some P2P platforms hit or even bankrupt, but from the long-term development of the whole industry, a sound financial market can in essence help the P2P platform to find problems faster, solve problems and achieve better development.
【作者单位】： 北京邮电大学经济管理学院;
【分类号】：F724.6;F832.4
本文编号：2142470
[Abstract]:Through the regression analysis of P2P yield, profit margin and liquidity, it is found that under the conditions of interest rate marketization, the P2P yield is affected by the difference of profit and liquidity, and the influence is significant. Through the competitive relationship between P2P and commercial banks, it is concluded that the interest rate marketization can promote the competition and development of P2P and commercial banks. Finally, the conclusion is that the benefit of the interest rate market can promote the competition and development of commercial banks. The rate of marketization will make some P2P platforms hit or even bankrupt, but from the long-term development of the whole industry, a sound financial market can in essence help the P2P platform to find problems faster, solve problems and achieve better development.
【作者单位】： 北京邮电大学经济管理学院;
【分类号】：F724.6;F832.4
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1 张玉锦;;由余额宝引发对利率市场化的思考[J];市场研究;2014年05期
，本文编号：2142470
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