【摘要】：交易成本的節(jié)約是P2P平臺(tái)產(chǎn)生和發(fā)展的基石。開(kāi)鑫貸平臺(tái)與小額貸款公司、銀行和客戶之間形成的相機(jī)治理模式有效地降低了交易成本,推動(dòng)了網(wǎng)貸行業(yè)發(fā)展。借助威廉姆斯交易成本經(jīng)濟(jì)學(xué)的合同價(jià)格決定機(jī)制、相機(jī)治理及縱向一體化等理論分析了開(kāi)鑫貸平臺(tái)背后隱藏的經(jīng)濟(jì)學(xué)原理。研究發(fā)現(xiàn):開(kāi)鑫貸平臺(tái)與客戶有關(guān)的交易采取的是市場(chǎng)治理,與銀行采取的是雙方治理,而與小額貸款公司則采取的是統(tǒng)一治理。當(dāng)前,對(duì)P2P網(wǎng)貸監(jiān)管應(yīng)在中央和地方協(xié)同監(jiān)管模式基礎(chǔ)上更加注重地方監(jiān)管,積極推動(dòng)形成一體化的治理機(jī)制,同時(shí)應(yīng)堅(jiān)持P2P平臺(tái)信息中介定位不動(dòng)搖,以有效控制網(wǎng)貸風(fēng)險(xiǎn),服務(wù)實(shí)體經(jīng)濟(jì)。
[Abstract]:Transaction cost saving is the cornerstone of the generation and development of P2P platform. The camera governance model formed between Kaixin loan platform and microfinance companies, banks and customers has effectively reduced transaction costs and promoted the development of the network loan industry. With the help of the contract price determination mechanism of Williams transaction cost economics, the theory of camera governance and vertical integration, this paper analyzes the hidden economic principles behind Kaixin loan platform. The research finds that the transaction related to customers of Kaixin loan platform is governed by market, the bank is governed by both sides, and the small loan company adopts unified governance. At present, the supervision of P2P network loan should pay more attention to local supervision on the basis of the central and local cooperative supervision mode, and actively promote the formation of integrated governance mechanism. At the same time, we should adhere to the P2P platform information intermediary positioning unwaveringly, in order to effectively control the network loan risk. Serving the real economy.
【作者單位】： 鄭州航空工業(yè)管理學(xué)院;
【基金】：2016年度國(guó)家社會(huì)科學(xué)基金項(xiàng)目“互聯(lián)網(wǎng)金融引致我國(guó)系統(tǒng)性金融風(fēng)險(xiǎn)的演化機(jī)理及綜合管控研究”(16BJY179)
【分類(lèi)號(hào)】：F724.6;F832.4

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