中国P2P网贷行业发展区域性差异的外部环境影响因素

发布时间：2018-01-13 09:15

本文关键词：中国P2P网贷行业发展区域性差异的外部环境影响因素　出处：《技术经济》2017年09期 　论文类型：期刊论文

【摘要】：基于"网贷之家"发布的2014年中国各地区网贷行业综合发展指数数据,测算了全国28个省(自治区、直辖市)的经济环境指数、信用环境指数、金融环境指数、法律环境指数和受教育水平,研究了它们对中国P2P网贷行业发展区域性差异的作用机理。回归结果显示:经济环境指数、金融环境指数和信用环境指数影响成交得分,受教育水平、法律环境指数和经济环境指数影响安全收益得分,经济环境指数和金融环境指数影响流动性得分,它们作为外部环境因素均间接影响了中国P2P网贷行业发展的区域性差异;经济环境指数、信用环境指数和金融环境指数是直接影响中国P2P网贷行业发展区域性差异的外部环境因素。
[Abstract]:Based on the data of the comprehensive development index of China's network loan industry published in 2014, the economic environment index and credit environment index of 28 provinces (autonomous regions and municipalities directly under the Central Government) were calculated. Financial environment index, legal environment index and education level, study their action mechanism to the regional difference of P2P network loan industry in China. The regression results show that: economic environment index. Financial environment index and credit environment index affect transaction score, education level, legal environment index and economic environment index affect safety income score, economic environment index and financial environment index affect liquidity score. As an external environmental factor, they have indirectly affected the regional differences in the development of P2P network lending industry in China. The economic environment index, credit environment index and financial environment index are the external environmental factors that directly affect the regional difference of the development of P2P network loan industry in China.
【作者单位】：北京理工大学管理与经济学院;
【分类号】：F724.6;F832.4
【正文快照】： 近年来,互联网金融作为金融创新的新兴业态模式发展迅猛,受到了学术界的广泛关注与探讨。网络借贷(peer to peer,P2P,以下简称“网贷”)作为互联网金融最具代表性的一种模式,一进入市场便飞速发展,在当前传统金融发展不充分的情况下填补了传统金融的部分空白。但是,由于中国各

【相似文献】