我国P2P网络借贷平台的信用评价研究

发布时间：2018-08-22 13:17

【摘要】：P2P网络借贷是借助互联网技术而发展的新型民间借贷,它的产生不仅弥补了传统借贷成本过高的缺陷,也缓解了个人甚至小微企业融资困难的压力。但随着其不断发展,作为行业重要媒介的P2P平台却频出跑路、诈骗等丑闻,越来越多的人开始质疑网络借贷的安全性,平台的信用显然已经影响行业的整体发展。因此客观评价我国P2P网络借贷平台的信用,并就已有的信用问题进行研究,有利于网络借贷行业在国内的发展,也有利于促进我国金融体系的稳定。本文以信用评价理论为基础,结合经济学、管理学、统计学等多学科知识,研究我国P2P网络借贷平台的信用。首先,在回顾已有相关文献的基础上,归纳总结了P2P网络借贷平台信用评价的含义和特点;其次,通过借鉴相关行业已有的信用评价指标研究,建立了符合行业发展现状的P2P网络借贷平台信用评价指标体系;然后,根据一定原则选取我国11家P2P平台作为研究样本,运用因子分析、聚类分析方法对样本平台2012-2014年的数据进行实证分析;最后,根据实证分析结果,归纳总结了我国P2P网络借贷平台面临的主要问题,并针对相关问题提出对策。通过研究,本文总结了影响我国P2P平台信用的主要因素,共包括持续经营、人气流动等七个因子。根据各平台在七个因子的综合得分,将样本平台按信用分成四类。此外,通过分析不同信用类别平台的优缺点,深入剖析影响行业内平台信用的问题,为之后评价并提升平台的信用提供一定参考。
[Abstract]:P2P network lending is a new type of private lending developed with the help of Internet technology. It not only makes up for the high cost of traditional lending, but also eases the pressure of financing difficulties for individuals and even small and micro enterprises. People begin to question the security of online lending, the credit of the platform has obviously affected the overall development of the industry. Therefore, an objective evaluation of China's P2P network lending platform credit, and Research on the existing credit problems, is conducive to the development of the network lending industry in China, but also conducive to promoting the stability of China's financial system. Based on the evaluation theory and combined with the knowledge of economics, management and statistics, this paper studies the credit of P2P network lending platform in China. This paper establishes a credit evaluation index system of P2P network lending platform which is in line with the development status of the industry. Then, according to certain principles, 11 P2P platforms in China are selected as research samples, and the data of the sample platform from 2012 to 2014 are analyzed by factor analysis and cluster analysis. Finally, based on the results of empirical analysis, the P2 platform in China is summarized. Through the research, this paper summarizes the main factors that affect the credit of P2P platform in China, including seven factors, such as sustained operation, human flow and so on. According to the comprehensive score of each platform in the seven factors, the sample platform is divided into four categories according to the credit. The advantages and disadvantages of different types of credit platforms, in-depth analysis of the impact of the industry platform credit issues, for the evaluation and promotion of the platform credit to provide a reference.
【学位授予单位】：南京工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.4

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