發(fā)布時間：2018-08-22 13:17

【摘要】：P2P網(wǎng)絡借貸是借助互聯(lián)網(wǎng)技術而發(fā)展的新型民間借貸,它的產(chǎn)生不僅彌補了傳統(tǒng)借貸成本過高的缺陷,也緩解了個人甚至小微企業(yè)融資困難的壓力。但隨著其不斷發(fā)展,作為行業(yè)重要媒介的P2P平臺卻頻出跑路、詐騙等丑聞,越來越多的人開始質(zhì)疑網(wǎng)絡借貸的安全性,平臺的信用顯然已經(jīng)影響行業(yè)的整體發(fā)展。因此客觀評價我國P2P網(wǎng)絡借貸平臺的信用,并就已有的信用問題進行研究,有利于網(wǎng)絡借貸行業(yè)在國內(nèi)的發(fā)展,也有利于促進我國金融體系的穩(wěn)定。本文以信用評價理論為基礎,結(jié)合經(jīng)濟學、管理學、統(tǒng)計學等多學科知識,研究我國P2P網(wǎng)絡借貸平臺的信用。首先,在回顧已有相關文獻的基礎上,歸納總結(jié)了P2P網(wǎng)絡借貸平臺信用評價的含義和特點;其次,通過借鑒相關行業(yè)已有的信用評價指標研究,建立了符合行業(yè)發(fā)展現(xiàn)狀的P2P網(wǎng)絡借貸平臺信用評價指標體系;然后,根據(jù)一定原則選取我國11家P2P平臺作為研究樣本,運用因子分析、聚類分析方法對樣本平臺2012-2014年的數(shù)據(jù)進行實證分析;最后,根據(jù)實證分析結(jié)果,歸納總結(jié)了我國P2P網(wǎng)絡借貸平臺面臨的主要問題,并針對相關問題提出對策。通過研究,本文總結(jié)了影響我國P2P平臺信用的主要因素,共包括持續(xù)經(jīng)營、人氣流動等七個因子。根據(jù)各平臺在七個因子的綜合得分,將樣本平臺按信用分成四類。此外,通過分析不同信用類別平臺的優(yōu)缺點,深入剖析影響行業(yè)內(nèi)平臺信用的問題,為之后評價并提升平臺的信用提供一定參考。
[Abstract]:P2P network lending is a new type of private lending developed with the help of Internet technology. It not only makes up for the high cost of traditional lending, but also eases the pressure of financing difficulties for individuals and even small and micro enterprises. People begin to question the security of online lending, the credit of the platform has obviously affected the overall development of the industry. Therefore, an objective evaluation of China's P2P network lending platform credit, and Research on the existing credit problems, is conducive to the development of the network lending industry in China, but also conducive to promoting the stability of China's financial system. Based on the evaluation theory and combined with the knowledge of economics, management and statistics, this paper studies the credit of P2P network lending platform in China. This paper establishes a credit evaluation index system of P2P network lending platform which is in line with the development status of the industry. Then, according to certain principles, 11 P2P platforms in China are selected as research samples, and the data of the sample platform from 2012 to 2014 are analyzed by factor analysis and cluster analysis. Finally, based on the results of empirical analysis, the P2 platform in China is summarized. Through the research, this paper summarizes the main factors that affect the credit of P2P platform in China, including seven factors, such as sustained operation, human flow and so on. According to the comprehensive score of each platform in the seven factors, the sample platform is divided into four categories according to the credit. The advantages and disadvantages of different types of credit platforms, in-depth analysis of the impact of the industry platform credit issues, for the evaluation and promotion of the platform credit to provide a reference.
【學位授予單位】：南京工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F724.6;F832.4

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本文編號：2197210