本文選題：P2P網(wǎng)絡(luò)借貸 + 融資效率��； 參考：《天津大學(xué)》2014年碩士論文

【摘要】：P2P網(wǎng)絡(luò)借貸是一個(gè)相對(duì)較新的近年來發(fā)展迅猛的互聯(lián)網(wǎng)金融創(chuàng)新借貸模式,基于互聯(lián)網(wǎng)為有借款融資需求的個(gè)人和愿意將閑置資金進(jìn)行投資的個(gè)人提供中介服務(wù)平臺(tái),建立信用借貸關(guān)系。P2P網(wǎng)絡(luò)借貸模式2006年進(jìn)入中國,借助網(wǎng)絡(luò)和社區(qū)化力量,自2012年起得到迅速發(fā)展。該模式強(qiáng)調(diào)每個(gè)人的參與性,一般為小額無抵押信用貸款,主要的借入者人群是中低收入階層。平臺(tái)設(shè)定了法定最高利率限制,借款用戶在此范圍內(nèi)設(shè)定自己的還款利率。平臺(tái)本身不參與借貸活動(dòng),而是提供相關(guān)信息、監(jiān)督和服務(wù)等,在這個(gè)過程中,投資用戶獲得利息回報(bào),借款用戶獲得資金周轉(zhuǎn),而P2P網(wǎng)絡(luò)借貸平臺(tái)收取一定的手續(xù)費(fèi)。本文以人人貸網(wǎng)絡(luò)借貸平臺(tái)真實(shí)的借款訂單交易數(shù)據(jù)為基礎(chǔ),對(duì)借款訂單的基本信息和借款用戶個(gè)人特征進(jìn)行統(tǒng)計(jì)分析,運(yùn)用數(shù)據(jù)包絡(luò)方法實(shí)證分析了每一筆借款訂單的融資效率,發(fā)現(xiàn)中國P2P網(wǎng)絡(luò)借貸平臺(tái)借款訂單融資效率整體偏低的結(jié)論�；诹新�(lián)表分析方法和因子分析方法,對(duì)借款用戶個(gè)人特征與借款訂單融資效率的相關(guān)性進(jìn)行了研究,發(fā)現(xiàn)中國P2P網(wǎng)絡(luò)借貸平臺(tái)中借款用戶的年齡、月收入情況、信用等級(jí)、學(xué)歷情況、婚姻狀況、工作年限、房產(chǎn)房貸和車產(chǎn)車貸等八項(xiàng)指標(biāo)對(duì)借款訂單融資效率有直接影響,并將其分為借款用戶基本信息、收入能力和安全性三大方面。同時(shí)對(duì)我國P2P網(wǎng)絡(luò)借貸平臺(tái)在未來發(fā)展及如何提高借款訂單融資效率方面提出了建議。
[Abstract]:P2P network lending is a relatively new and rapid development in recent years of Internet financial innovation lending model, based on the Internet for borrowing and financing needs of individuals and willing to invest idle funds to provide intermediary services platform. Establishing the credit lending relationship. P2P network loan model entered China in 2006. With the help of network and community power, it has developed rapidly since 2012. The model emphasizes the participation of everyone, generally for small unsecured credit loans, and the main borrowers are middle and low income groups. The platform sets a legal maximum interest rate limit, within which borrowers set their repayment rates. The platform itself does not participate in lending activities, but provides relevant information, supervision and services. In this process, investment users obtain interest returns, loan users get capital turnover, and P2P network lending platform charges certain fees. Based on the real transaction data of loan orders, this paper makes a statistical analysis on the basic information of loan orders and the personal characteristics of loan users. The paper empirically analyzes the financing efficiency of each loan order by using the data envelopment method, and finds that the financing efficiency of Chinese P2P network lending platform is on the low side as a whole. Based on the method of column table analysis and factor analysis, this paper studies the correlation between the individual characteristics of loan users and the financing efficiency of loan orders, and finds out the age, monthly income, credit rating of loan users in China's P2P network lending platform. Education, marital status, working years, real estate loans and car loans have a direct impact on the financing efficiency of loan orders, and can be divided into three aspects: basic information of loan users, income ability and security. At the same time, the paper puts forward some suggestions on how to improve the efficiency of loan order financing in the future development of P2P network lending platform in China.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F724.6;F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前8條

1 李悅雷;郭陽;張維;;中國P2P小額貸款市場借貸成功率影響因素分析[J];金融研究;2013年07期

2 呂祚成;;P2P行業(yè)監(jiān)管立法的國際經(jīng)驗(yàn)[J];金融監(jiān)管研究;2013年09期

3 胡曉燕;程希駿;馬利軍;;考慮非期望產(chǎn)出的兩階段DEA模型及其在銀行效率評(píng)價(jià)中的應(yīng)用[J];中國科學(xué)院大學(xué)學(xué)報(bào);2013年04期

4 郭陽;;中國P2P小額貸款發(fā)展現(xiàn)狀研究[J];上海金融;2012年12期

5 李廣明;諸唯君;周歡;;P2P網(wǎng)絡(luò)融資中貸款者欠款特征提取實(shí)證研究[J];商業(yè)時(shí)代;2011年01期

6 張玉梅;;P2P小額網(wǎng)絡(luò)貸款模式研究[J];生產(chǎn)力研究;2010年12期

7 孫紅彥;吳書廣;趙濤;;基于因子分析法的我國商業(yè)銀行綜合業(yè)績評(píng)價(jià)[J];金融發(fā)展研究;2010年02期

8 姚樹潔,馮根福,韓鐘偉;中國保險(xiǎn)業(yè)效率的實(shí)證分析[J];經(jīng)濟(jì)研究;2005年07期

相關(guān)碩士學(xué)位論文 前2條

1 應(yīng)起翔;中國印度農(nóng)村小額信貸發(fā)展比較研究[D];浙江大學(xué);2010年

2 張蕾;基于DEA模型的商業(yè)銀行信用卡效率研究[D];西北農(nóng)林科技大學(xué);2010年

，

本文編號(hào)：1943293