P2P网络借贷市场利率主导权偏离程度的研究——基于双边随机前沿模型

发布时间：2018-01-15 20:23

  本文关键词：P2P网络借贷市场利率主导权偏离程度的研究——基于双边随机前沿模型　出处：《数理统计与管理》2017年04期 　论文类型：期刊论文

  更多相关文章： PP网络借贷 双边随机前沿 利率 主导权

【摘要】：近年来P2P网络借贷作为一种典型的互联网金融模式获得了跳跃式的发展,由于借贷双方信息不对称,导致我国P2P网贷市场利率普遍偏高。本文利用双边随机前沿分析(SFA)方法对我国P2P网贷市场借贷双方利率主导权力进行测算,并对借贷双方的主导权力对贷款利率的影响效应进行定量分析,同时对借款者个体特征对借贷双方利率主导权力的影响进行比较分析。实证结果表明,出借方拥有明显的主导权力,随着学历、年龄、收入、信用等级的增高,借款人地位将有所改善。
[Abstract]:In recent years, P2P network lending as a typical Internet financial model has been developed by leaps and bounds, because of the asymmetric information between borrowers and borrowers. This paper uses the bilateral stochastic frontier analysis (SFAA) method to measure the dominant power of interest rate of both lenders and borrowers in the P2P network loan market in China. At the same time, the author makes a quantitative analysis of the influence of the dominant power of the two parties on the interest rate, and makes a comparative analysis of the influence of the individual characteristics of the borrower on the dominant power of the interest rate of the two parties. The empirical results show that. Lenders have significant dominance, and the borrower's position will improve as education, age, income, and credit rating increase.
【作者单位】： 山东大学经济学院;
【基金】：山东省自然科学基金(ZR2014AM014)资助
【分类号】：F724.6;F832.4
【正文快照】： 0引言近年来,随着互联网技术的突飞猛进,以互联网为依托的新兴产业一互联网金融行业获得了跳跃式发展,P2P网络借贷(Online Peer-to-peer Lending)是一种典型的互联网金融模式。我国第一家网贷平台一拍拍贷自2007年成立以来,凭借其贷款门j坏汀⑽扌璧盅旱１！⒏哺，

本文编号：1429924