本文關(guān)鍵詞：“平臺參與投資”與P2P籌資效率——基于拍拍貸平臺“拍活寶”數(shù)據(jù)的經(jīng)驗研究　出處：《中國工業(yè)經(jīng)濟》2017年04期 　論文類型：期刊論文

  更多相關(guān)文章： PP網(wǎng)絡(luò)借貸 籌資效率 平臺參與投資

【摘要】：隨著P2P平臺的迅速發(fā)展,P2P平臺上的投資形式不斷發(fā)生變化,借款人的借款成功率也因此大大提高。在借款成功率得以保證的前提下,借款人的籌資效率也就變得越發(fā)重要。提高借款人的籌資效率,不但可以提高借款人的滿意度,還可以加快平臺中的資金流動,提高平臺盈利,推動平臺發(fā)展。本文著眼于"平臺參與投資"這一新型投資模式,以拍拍貸平臺的"拍活寶"數(shù)據(jù)為研究對象,通過實證分析,對平臺參與度如何影響借款人籌資效率進行研究。本文發(fā)現(xiàn),一定程度的平臺參與可以顯著縮短借款人的籌資時間,提高借款人的籌資效率;對于小額借款和大額借款而言,平臺參與對其加速作用并無顯著差異;同樣,對于低風險和高風險借款而言,平臺參與對其加速作用也無顯著差異。本文還發(fā)現(xiàn),平臺參與度不宜過多,過多的平臺參與反而會降低借款人的籌資效率。
[Abstract]:With the rapid development of P2P platform, the investment forms on P2P platform are constantly changing, and the loan success rate of borrowers is also greatly improved. The borrower's financing efficiency also becomes more and more important. Improving the borrower's financing efficiency can not only improve the borrower's satisfaction, but also accelerate the capital flow in the platform and increase the platform's profit. To promote the development of platform. This paper focuses on the "platform to participate in investment", a new investment model, taking PPDAI platform's "patting live treasure" data as the research object, through the empirical analysis. This paper studies how the participation of the platform affects the financing efficiency of the borrower. This paper finds that a certain degree of platform participation can significantly shorten the borrower's fund-raising time and improve the borrower's fund-raising efficiency; For small loans and large loans, there is no significant difference in the accelerated role of platform participation; Similarly, for low risk and high risk borrowing, there is no significant difference between platform participation and acceleration. This paper also found that the platform participation should not be too much. Excessive platform participation will reduce the borrower's funding efficiency.
【作者單位】： 中南大學商學院;中山大學國際金融學院;
【基金】：國家自然科學基金面上項目“數(shù)字信息資源供應(yīng)鏈信息共享激勵機制研究”(批準號71373288);國家自然科學基金國際重大合作項目“基于行為的電子商務(wù)研究”(批準號71210003)
【分類號】：F724.6;F832.4
【正文快照】： 一、問題提出隨著互聯(lián)網(wǎng)技術(shù)的飛速發(fā)展,互聯(lián)網(wǎng)金融的規(guī)模日漸壯大,而P2P借貸(Peer-to-Peer Lending)作為互聯(lián)網(wǎng)金融的重要組成部分之一,也越來越趨向成熟。P2P網(wǎng)絡(luò)借貸是互聯(lián)網(wǎng)金融創(chuàng)新的產(chǎn)物,它直接以互聯(lián)網(wǎng)為媒介完成借貸雙方的交易,具有不以傳統(tǒng)銀行為媒介、小金額等鮮明

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5 朱s，

本文編號：1383335