P2P网络借贷交易的关联因素与发展策略研究

发布时间：2018-01-23 20:13

本文关键词： P2P网络借贷关联因素二元logistic模型　出处：《河南理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：P2P网络借贷是一种以互联网为依托、平台作为中介的一种新型网络借贷模式。首创于英国,自2007年拍拍贷成立标志着P2P网络借贷首次出现在我国,截至目前已经经历了7年的风雨历程,在这短短的7年中,已从最初的萌芽状态逐渐地走向了成熟。P2P网络借贷借助于互联网的发展优势和民间借贷的传统优势,在金融领域里开创了一条新的道路,作为一种金融创新的新形式不仅对中小企业融资还是个人理财方面都起到了很大的作用。在目前的P2P网络借贷中,交易成功率低下一直是困扰我国P2P网络借贷发展的重要原因,所以本文研究的主要目的就是探讨影响P2P网络借贷交易的相关因素,并从这些因素出发结合目前我国P2P网络借贷所出现的问题,从而为我国P2P网络借贷的发展提供有价值的建议。在本文的研究中,首先以借贷理论和博弈论理论作为理论基础,分别从民间借贷、社会资本论等角度来阐释P2P网络借贷的理论背景;其次通过介绍国内外的发展使得对P2P网络借贷的理解得到了更深层次的深化;再者以博弈论和建立二元logistic模型两种方式找出P2P网络借贷交易的影响因素并进行分析;最后结合实证研究部分,从政府和P2P网络借贷自身两方面对我国P2P网络借贷的发展提出建议。文章指出,在P2P网络借贷未来的发展中,就其自身发展来说“去担保化”已是势在必行,平台在“去担保化”的同时也要注重平台自身的管理与X椥拧Ｗ魑此稻】斐鎏ㄏ嘤Φ墓芾碚卟唤龆訮2P网络借贷的发展的发展有益处,更对我国金融秩序的稳定有着很大的保障。
[Abstract]:P2P network lending is a new type of network lending model based on the Internet and platform as an intermediary. The establishment of PPDAI in 2007 marks the first time that P2P network lending appears in China. Up to now, it has experienced seven years of wind and rain, in this short period of seven years. It has gradually moved from the initial embryonic state to the mature. P2P network lending with the help of the development advantages of the Internet and the traditional advantages of private lending, which has opened a new way in the financial field. As a new form of financial innovation, it not only plays a great role in financing SMEs but also in personal finance. The low transaction success rate has been an important reason for the development of P2P network lending in China, so the main purpose of this paper is to explore the related factors that affect the P2P network lending transactions. And from these factors combined with the current problems of P2P network lending in China, so as to provide valuable suggestions for the development of P2P network lending in China. Firstly, based on the lending theory and game theory, the paper explains the theoretical background of P2P network lending from the perspectives of private lending and social capital respectively. Secondly, through the introduction of the development at home and abroad, the understanding of P2P network lending has been deepened. Thirdly, we find out the influencing factors of P2P network lending transaction by game theory and binary logistic model. Finally, combining the empirical research part, from the government and P2P network lending itself two aspects of the development of P2P network lending in China, the paper pointed out that in the future development of P2P network lending. In terms of its own development, "de-guarantee" is imperative, the platform in the "de-guarantee" at the same time should pay attention to the management of the platform itself and X "T"? ? ? This rice] Fei laoliu Ying 桅 tomb Fu Beibei? The development of internet loan is beneficial to the stability of financial order in China.
【学位授予单位】：河南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.4

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