基于有限关注的P2P借贷市场监管模式:以百度为例

发布时间：2018-04-20 08:53

本文选题：有限关注 + PP监管　；参考：《数学的实践与认识》2017年20期

【摘要】：P2P借贷相对于传统金融中介具有向下整合闲散资金并降低交易成本的优势,在"互联网+"和"大众创业万众创新"的政策背景下能够有效倒逼传统金融中介改革,为创新企业提供资金.但目前行业仍存在严重的监管缺失问题,而银监会等政府部门监管缺乏法律授权,监管行为缺乏积极性.因此,提出了以《互联网信息搜索服务管理规定》为契机,通过监管百度对P2P的推广业务进而规范行业发展的思路,并论证了这种方法的有效性.百度搜索量对P2P用户投资行为的相关性分析表明,监管百度推广业务能有效阻碍问题平台获得用户,进而减少问题平台的产生及影响.
[Abstract]:Compared with traditional financial intermediaries, P2P lending has the advantages of integrating idle funds downward and reducing transaction costs. Under the policy background of "Internet" and "mass entrepreneurship innovation", P2P lending can effectively push down the reform of traditional financial intermediation. Provide funds for innovative enterprises. However, there are still serious problems in the industry, such as the Banking Regulatory Commission and other government departments lack of legal authority, regulatory action lack of enthusiasm. Therefore, this paper puts forward the idea of standardizing the development of the industry by supervising Baidu's promotion of P2P services by taking the Management Regulation of Internet Information search Service as an opportunity, and demonstrates the effectiveness of this method. The correlation analysis of Baidu search amount to P2P users' investment behavior shows that the supervision of Baidu promotion business can effectively hinder the problem platform access to users, and then reduce the problem platform generation and impact.
【作者单位】：北京理工大学管理与经济学院;北京理工大学能源与环境政策研究中心;
【分类号】：F724.6;F832.4

【相似文献】