P2P在線借貸平臺(tái)社會(huì)資本測(cè)量及作用問(wèn)題研究
[Abstract]:P2P online lending (Online Peer-to-Peer Lending, or Online people-to-People Lending, also called Social Lending), the Internet lending between individuals and individuals, is the earliest financial innovation service based on the Internet, which began in the UK in 2005, and is a financial institution that is not dependent on traditional financial institutions. A way to achieve financial lending through a trading platform on the Internet is a financial service innovation that combines Internet technology with traditional financial services. The P2P online lending platform is a financial service website that provides P2P online lending services.
Through the P2P online lending platform, the user chooses the loan application (listing), the lenders choose the borrower according to the loan application list, bid (bidding), and complete the transaction process through the system to match and match the letter and start. This way, it is possible to complete the loan between strangers and strangers through the network, from this In a sense, P2P online lending is a credit transaction service provided by a trading platform (website) acting as a credit intermediary.
The basic idea of P2P online lending comes from the value concept of Yunus's "rural bank", combined with Internet technology. With the rise of social network services, it has gradually developed from the offline mode to the online model. It has developed rapidly in the world since it appeared.
In 2007, China began to appear the first P2P online lending platform - a patted and loan website created in Shanghai. Then, the domestic P2P online lending platform has sprung up quickly.
P2P online lending is based on the Internet, and the social network provides a broad user base. The value of social network also affects the model of P2P online lending platform. It also plays an important role in the user's participation in borrowing and lending behavior, but also has a certain role in the risk of the platform. Social network and social capital There is a close relationship. The social capital form of the P2P online lending platform is displayed as the superposition of multiple relational networks on the web site. Through the social network analysis of the platform, the social capital and the social capital of the users can be better understood, which helps to help the platform more rationally expand its social network and increase its society. Capital, give full play to the user's social capital value, and promote the development of the platform.
Through the study of the literature, this paper focuses on the measurement of the social capital of the P2P online lending platform. From the angle of the social network, the social capital theory is the main theoretical basis. Through the social network analysis method, the research on the problem of the lack and measurement of the measurement index of social capital on the P2P online lending platform is mainly studied. The content includes the research on social network and social capital of P2P online lending platform, the establishment of basic measurement index system of social capital on P2P online lending platform, the measurement method and concrete measurement of basic measurement index of social capital on the P2P online lending platform, and testing the effectiveness of measurement index through empirical analysis and its effect Three aspects, such as line analysis, etc.
There are three kinds of research methods used in this paper.
First, the literature research method, mainly through the social capital theory and the P2P online lending research on the impact of social capital on the initial research, to provide theoretical support and research reference for the next step of the research work.
Second, interdisciplinary research methods, the main basis of social capital theory and social network analysis method, study the relationship and role of social network and social capital between P2P online lending platform, draw on the research results of social network analysis, and combine the characteristics of social network relationship data of P2P online lending platform to establish social capital. The basic measurement index system and specific measurement methods.
Third, empirical analysis, through the first introduction of the P2P online lending platform, the earliest online lending platform in China, Shanghai patting and lending website, as an example, this paper makes an empirical analysis and verification of the basic social capital measurement index system of the P2P online lending platform as a whole, and tests the effectiveness and role of the index.
The innovation points of this article include:
1. this study is the first research on P2P online lending based on social network perspective in China. It focuses on the impact of social network on P2P online lending in mode selection, user behavior and so on. It is also the first empirical study based on social network in domestic P2P research. The other side makes up for the insufficiency of the relevant empirical research; the other side is the other side. It also enriches the research contents and objects of social network, and has its research significance on P2P online lending and social network research.
2. this study is the first research on the construction of the basic measurement index system of social capital by P2P online lending research. It puts forward the basic measurement index system of social capital (table) and specific measurement methods of P2P online lending platform, which provides a reference system for the study of social capital index parameters in P2P online lending in the future. To solve the confusion of social capital measurement indicators in related research.
3. this study is the first time that the domestic P2P online lending research has introduced the social network analysis method and the specific measuring tool for the first time. It provides a new research perspective and research method for future research.
The significance of this study includes two aspects:
First, theoretical contribution, this paper is based on the social network perspective and method to study P2P online lending, which is the basic research of P2P online lending. It involves the model research of P2P online lending, the research of user behavior and risk control research. This research puts forward the social capital of P2P online lending website from the perspective of social network. This measurement problem, through the lack of unified measurement standard and measurement method of social capital in the social network data of P2P online lending platform, this paper analyzes the relationship between social network analysis and social capital, and puts forward the corresponding P2P online lending platform by means of social network method. Social capital measurement index body (table), and through empirical research to prove its effectiveness, for P2P online lending research, is helpful to provide a unified index reference for the related social capital research, and also help to compare the research results based on the unified index, and have a certain theoretical research contribution. Interdisciplinary research, especially the introduction of social network analysis, provides a new research method and perspective for P2P online lending.
At the same time, the empirical research based on the related social network based on the patted loan website also fills the gap in the research of domestic social network in P2P lending, enriches the research of social network research and social network analysis, and provides a reference for future research.
Second, practical significance. Through the establishment of the overall network social capital measurement index system of P2P online lending platform and the introduction of social network analysis method and specific measurement, it is helpful to solve the problem that the social capital is difficult to measure in P2P online lending, and provides a reference for the related research on social capital measurement. Through the empirical study of the patted loan website, the role of the social network in the P2P online lending platform is more clearly analyzed, and the suggestions and directions for further improvement are provided for the specific application of the platform. The social network analysis method used for the P2P online lending platform can be used for the social relations network of its users. Carry out in-depth analysis and data mining, such as the analysis of the community division in its relationship, find out users with high school heart rate to introduce more, expand their value so as to attract more users to establish contact with them, expand the network of user relations, and so on.
【學(xué)位授予單位】:西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】:博士
【學(xué)位授予年份】:2013
【分類號(hào)】:F830.5
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