本文關(guān)鍵詞：中國P2P網(wǎng)貸行業(yè)發(fā)展區(qū)域性差異的外部環(huán)境影響因素　出處：《技術(shù)經(jīng)濟(jì)》2017年09期 　論文類型：期刊論文

  更多相關(guān)文章： 網(wǎng)絡(luò)借貸 區(qū)域性差異 環(huán)境因素

【摘要】：基于"網(wǎng)貸之家"發(fā)布的2014年中國各地區(qū)網(wǎng)貸行業(yè)綜合發(fā)展指數(shù)數(shù)據(jù),測算了全國28個省(自治區(qū)、直轄市)的經(jīng)濟(jì)環(huán)境指數(shù)、信用環(huán)境指數(shù)、金融環(huán)境指數(shù)、法律環(huán)境指數(shù)和受教育水平,研究了它們對中國P2P網(wǎng)貸行業(yè)發(fā)展區(qū)域性差異的作用機(jī)理�；貧w結(jié)果顯示:經(jīng)濟(jì)環(huán)境指數(shù)、金融環(huán)境指數(shù)和信用環(huán)境指數(shù)影響成交得分,受教育水平、法律環(huán)境指數(shù)和經(jīng)濟(jì)環(huán)境指數(shù)影響安全收益得分,經(jīng)濟(jì)環(huán)境指數(shù)和金融環(huán)境指數(shù)影響流動性得分,它們作為外部環(huán)境因素均間接影響了中國P2P網(wǎng)貸行業(yè)發(fā)展的區(qū)域性差異;經(jīng)濟(jì)環(huán)境指數(shù)、信用環(huán)境指數(shù)和金融環(huán)境指數(shù)是直接影響中國P2P網(wǎng)貸行業(yè)發(fā)展區(qū)域性差異的外部環(huán)境因素。
[Abstract]:Based on the data of the comprehensive development index of China's network loan industry published in 2014, the economic environment index and credit environment index of 28 provinces (autonomous regions and municipalities directly under the Central Government) were calculated. Financial environment index, legal environment index and education level, study their action mechanism to the regional difference of P2P network loan industry in China. The regression results show that: economic environment index. Financial environment index and credit environment index affect transaction score, education level, legal environment index and economic environment index affect safety income score, economic environment index and financial environment index affect liquidity score. As an external environmental factor, they have indirectly affected the regional differences in the development of P2P network lending industry in China. The economic environment index, credit environment index and financial environment index are the external environmental factors that directly affect the regional difference of the development of P2P network loan industry in China.
【作者單位】： 北京理工大學(xué)管理與經(jīng)濟(jì)學(xué)院;
【分類號】：F724.6;F832.4
【正文快照】： 近年來,互聯(lián)網(wǎng)金融作為金融創(chuàng)新的新興業(yè)態(tài)模式發(fā)展迅猛,受到了學(xué)術(shù)界的廣泛關(guān)注與探討。網(wǎng)絡(luò)借貸(peer to peer,P2P,以下簡稱“網(wǎng)貸”)作為互聯(lián)網(wǎng)金融最具代表性的一種模式,一進(jìn)入市場便飛速發(fā)展,在當(dāng)前傳統(tǒng)金融發(fā)展不充分的情況下填補(bǔ)了傳統(tǒng)金融的部分空白。但是,由于中國各

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