交易成本视角下P2P网贷平台治理模式——基于开鑫贷的典型案例分析
发布时间：2018-11-07 06:49
【摘要】：交易成本的节约是P2P平台产生和发展的基石。开鑫贷平台与小额贷款公司、银行和客户之间形成的相机治理模式有效地降低了交易成本,推动了网贷行业发展。借助威廉姆斯交易成本经济学的合同价格决定机制、相机治理及纵向一体化等理论分析了开鑫贷平台背后隐藏的经济学原理。研究发现:开鑫贷平台与客户有关的交易采取的是市场治理,与银行采取的是双方治理,而与小额贷款公司则采取的是统一治理。当前,对P2P网贷监管应在中央和地方协同监管模式基础上更加注重地方监管,积极推动形成一体化的治理机制,同时应坚持P2P平台信息中介定位不动摇,以有效控制网贷风险,服务实体经济。
[Abstract]:Transaction cost saving is the cornerstone of the generation and development of P2P platform. The camera governance model formed between Kaixin loan platform and microfinance companies, banks and customers has effectively reduced transaction costs and promoted the development of the network loan industry. With the help of the contract price determination mechanism of Williams transaction cost economics, the theory of camera governance and vertical integration, this paper analyzes the hidden economic principles behind Kaixin loan platform. The research finds that the transaction related to customers of Kaixin loan platform is governed by market, the bank is governed by both sides, and the small loan company adopts unified governance. At present, the supervision of P2P network loan should pay more attention to local supervision on the basis of the central and local cooperative supervision mode, and actively promote the formation of integrated governance mechanism. At the same time, we should adhere to the P2P platform information intermediary positioning unwaveringly, in order to effectively control the network loan risk. Serving the real economy.
【作者单位】： 郑州航空工业管理学院;
【基金】：2016年度国家社会科学基金项目“互联网金融引致我国系统性金融风险的演化机理及综合管控研究”(16BJY179)
【分类号】：F724.6;F832.4
[Abstract]:Transaction cost saving is the cornerstone of the generation and development of P2P platform. The camera governance model formed between Kaixin loan platform and microfinance companies, banks and customers has effectively reduced transaction costs and promoted the development of the network loan industry. With the help of the contract price determination mechanism of Williams transaction cost economics, the theory of camera governance and vertical integration, this paper analyzes the hidden economic principles behind Kaixin loan platform. The research finds that the transaction related to customers of Kaixin loan platform is governed by market, the bank is governed by both sides, and the small loan company adopts unified governance. At present, the supervision of P2P network loan should pay more attention to local supervision on the basis of the central and local cooperative supervision mode, and actively promote the formation of integrated governance mechanism. At the same time, we should adhere to the P2P platform information intermediary positioning unwaveringly, in order to effectively control the network loan risk. Serving the real economy.
【作者单位】： 郑州航空工业管理学院;
【基金】：2016年度国家社会科学基金项目“互联网金融引致我国系统性金融风险的演化机理及综合管控研究”(16BJY179)
【分类号】：F724.6;F832.4
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