【摘要】：通過(guò)對(duì)P2P收益率、利差和流動(dòng)性進(jìn)行回歸分析,研究得出利率市場(chǎng)化條件下,P2P收益率受利差和流動(dòng)性波動(dòng)的影響,并且影響顯著;通過(guò)P2P與商業(yè)銀行之間的競(jìng)爭(zhēng)關(guān)系,得出利率市場(chǎng)化可以促進(jìn)P2P與商業(yè)銀行競(jìng)爭(zhēng)與發(fā)展。最后得出結(jié)論:利率市場(chǎng)化會(huì)使得部分P2P平臺(tái)受到?jīng)_擊甚至倒閉,但從整個(gè)行業(yè)的長(zhǎng)期發(fā)展看,健全的金融市場(chǎng)實(shí)質(zhì)上能夠幫助P2P平臺(tái)更快地發(fā)現(xiàn)問(wèn)題、解決問(wèn)題,實(shí)現(xiàn)更好的發(fā)展。
[Abstract]:Through the regression analysis of P2P yield, profit margin and liquidity, it is found that under the conditions of interest rate marketization, the P2P yield is affected by the difference of profit and liquidity, and the influence is significant. Through the competitive relationship between P2P and commercial banks, it is concluded that the interest rate marketization can promote the competition and development of P2P and commercial banks. Finally, the conclusion is that the benefit of the interest rate market can promote the competition and development of commercial banks. The rate of marketization will make some P2P platforms hit or even bankrupt, but from the long-term development of the whole industry, a sound financial market can in essence help the P2P platform to find problems faster, solve problems and achieve better development.
【作者單位】： 北京郵電大學(xué)經(jīng)濟(jì)管理學(xué)院;
【分類號(hào)】：F724.6;F832.4

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