發(fā)布時(shí)間：2018-01-23 19:53

  本文關(guān)鍵詞： PP平臺 二區(qū)制計(jì)量模型 省際競爭　出處：《會計(jì)與經(jīng)濟(jì)研究》2017年02期 　論文類型：期刊論文

【摘要】：以2014年第一季度至2016年第一季度的P2P平臺的面板數(shù)據(jù),采用空間計(jì)量模型,實(shí)證研究省際間P2P平臺金融監(jiān)管規(guī)制強(qiáng)度差異及影響其發(fā)展的因素,進(jìn)而探討了對區(qū)域金融資源競爭問題。結(jié)果表明:第一,我國東部沿海地區(qū)P2P平臺存在顯著的空間正相關(guān)關(guān)系;中部地區(qū)則存在顯著的空間負(fù)相關(guān)關(guān)系。第二,東部地區(qū)由于其金融發(fā)展占據(jù)先導(dǎo)地位,其P2P平臺資源集聚程度較中部地區(qū)顯著。第三,東部地區(qū)P2P平臺對金融資源初始稟賦更加敏感,這促使中部地區(qū)在競爭中不得不采用更加寬松的金融監(jiān)管規(guī)制強(qiáng)度。第四,地區(qū)開放程度等因素能夠促進(jìn)P2P網(wǎng)貸發(fā)展。在此基礎(chǔ)上,提出相應(yīng)的政策建議。
[Abstract]:Based on the panel data of P2P platform from in the first quarter of 2014 to in the first quarter of 2016, the spatial measurement model is used. Empirical study of the inter-provincial P2P platform financial regulatory intensity differences and factors affecting its development, and then discussed the regional financial resources competition. The results show that: first. There is a significant positive spatial correlation between P2P platforms in the eastern coastal areas of China. There is a significant spatial negative correlation in the central region. Second, the eastern region because of its financial development occupies a leading position, its P2P platform resources gathering degree is more significant than the central region. Third. The eastern P2P platform is more sensitive to the initial endowment of financial resources, which makes the central region have to adopt more relaxed financial regulatory intensity in the competition. 4th. Factors such as regional openness can promote the development of P2P network loan. On this basis, the corresponding policy recommendations are put forward.
【作者單位】： 廣東金融學(xué)院行為金融與區(qū)域?qū)嶒?yàn)室;
【基金】：國家自然科學(xué)基金(71603059) 教育部人文社會科學(xué)一般項(xiàng)目(13YJC790117) 廣東省哲學(xué)社會科學(xué)“十二五”規(guī)劃項(xiàng)目(GD15XY09) 廣州市哲學(xué)社會科學(xué)發(fā)展“十三五”規(guī)劃青年項(xiàng)目(2016GZQN02)
【分類號】：F724.6;F832.4
【正文快照】： 一、引言P2P(Peer-to-Peer)網(wǎng)絡(luò)借貸是互聯(lián)網(wǎng)金融的一種業(yè)務(wù)模式,與傳統(tǒng)銀行相比,它加快了金融脫媒的進(jìn)度,提升了金融資源配置效率,緩解了中小企業(yè)融資難題,拓展了金融服務(wù)的覆蓋范圍。其中P2P平臺是由具有相關(guān)資質(zhì)的網(wǎng)站作為借款人與投資人進(jìn)行網(wǎng)絡(luò)借貸相關(guān)活動的中介。P2P平，

本文編號：1458106