互联网视角下我国民间借贷的风险评价与控制——以P2P平台为例

发布时间：2018-02-22 03:00

本文关键词： PP 互联网金融风险评价因子分析　出处：《宏观经济研究》2017年03期 　论文类型：期刊论文

【摘要】：依托互联网的P2P网络借贷作为一种独立于正规金融机构体系之外的民间借贷方式,合理有效地配置社会闲散资金,填补信贷缺口,弥补中小企业融资缺口,在一定程度上满足了个人消费信贷、小微企业经营和大众理财等需求,在弥补传统金融不足的同时促进我国金融体系的创新发展。但爆发式增长的P2P网络借贷在我国发展尚不成熟,没有对应的金融监管部门和法律法规,监管主体缺位的状态持续至今。随着P2P网络借贷平台的发展,风险是P2P行业建立良性发展秩序不可避免的问题,如何有效地防范平台潜在的各种风险成为重中之重。本文通过风险评价体系使用探索性因子分析模型挖掘P2P平台潜在的风险影响因素,得到四个公共因子,分别是平台运营因子、平台交易因子、潜在风险因子和借款影响因子,进而以各个旋转因子的方差贡献率为权数构造加权综合因子得分函数,最后得到样本平台的综合因子得分及排名,并根据因子得分结果进行综合评价。最后根据综合评价结果以及聚类分析结果,提出我国P2P平台发展的建议对策。
[Abstract]:As a private lending method independent of the formal financial institution system, P2P network lending based on the Internet can reasonably and effectively allocate social idle funds, fill the credit gap, and make up the financing gap for small and medium-sized enterprises. To a certain extent, it meets the needs of personal consumption credit, small and micro enterprises, and public finance. While making up for the shortage of traditional finance, it promotes the innovation and development of our financial system. However, the explosion of P2P network lending is still immature in our country, and there are no corresponding financial supervision departments and laws and regulations. With the development of P2P network lending platform, the risk is the inevitable problem of establishing a healthy development order of P2P industry. How to effectively guard against the potential risks of the platform becomes the most important. This paper uses exploratory factor analysis model to mine the potential risk factors of P2P platform, and obtains four common factors. They are platform operation factor, platform trading factor, potential risk factor and loan influence factor respectively, and then the weighted comprehensive factor score function is constructed based on the variance contribution rate of each rotation factor. Finally, the comprehensive factor score and rank of the sample platform are obtained, and the comprehensive evaluation is carried out according to the result of factor score. Finally, according to the comprehensive evaluation result and the clustering analysis result, some suggestions for the development of P2P platform in China are put forward.
【作者单位】：西北大学经济管理学院;西安财经学院;西安科技大学管理学院;
【分类号】：F724.6;F832.4

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