本文關(guān)鍵詞： 平臺(tái)治理 平臺(tái)風(fēng)險(xiǎn) 預(yù)警機(jī)制 主成分分析　出處：《現(xiàn)代經(jīng)濟(jì)探討》2017年09期 　論文類型：期刊論文

【摘要】：本文基于雙邊市場(chǎng)平臺(tái)治理的理論提出網(wǎng)貸平臺(tái)風(fēng)險(xiǎn)發(fā)生機(jī)制,即平臺(tái)治理的缺失以及治理能力的不足導(dǎo)致了網(wǎng)貸平臺(tái)風(fēng)險(xiǎn)的集中爆發(fā)。在此基礎(chǔ)之上,借助主成分分析方法從規(guī)�？刂颇芰Α⑵ヅ湫�、實(shí)力儲(chǔ)備、產(chǎn)品設(shè)計(jì)能力以及風(fēng)險(xiǎn)控制能力這五個(gè)維度構(gòu)建了一個(gè)針對(duì)網(wǎng)絡(luò)借貸平臺(tái)治理能力的綜合評(píng)價(jià)體系,對(duì)其合理性和適用性的驗(yàn)證結(jié)果表明各網(wǎng)貸平臺(tái)之間的治理能力和水平差異明顯,符合當(dāng)前中國(guó)網(wǎng)絡(luò)借貸市場(chǎng)的發(fā)展現(xiàn)狀,具有良好的解釋性。此外,對(duì)問題平臺(tái)的分析發(fā)現(xiàn)基于網(wǎng)貸平臺(tái)治理能力的綜合指數(shù)能夠追蹤和反映動(dòng)態(tài)的平臺(tái)治理狀況并提前數(shù)月捕捉到平臺(tái)的異常,能夠?qū)W(wǎng)貸平臺(tái)問題的集中爆發(fā)提前做出預(yù)警,在有效降低投資人損失的同時(shí)警示運(yùn)營(yíng)商。因此本文的研究為政府部門提供了實(shí)時(shí)監(jiān)控、提前預(yù)警這一全新的P2P監(jiān)管思路,在實(shí)際操作層面為規(guī)范平臺(tái)經(jīng)營(yíng)以及保護(hù)投資人權(quán)益提供了有益的參考。
[Abstract]:Based on the theory of bilateral market platform governance, this paper puts forward the risk generation mechanism of network loan platform, that is, the lack of platform governance and the lack of governance ability lead to the centralized outbreak of network loan platform risk. With the help of principal component analysis method from the scale control ability, matching efficiency, strength reserve. The five dimensions of product design ability and risk control ability construct a comprehensive evaluation system for the governance ability of online lending platform. The rationality and applicability of the verification results show that the governance of the platform between the network and the level of difference is obvious, in line with the current situation of the development of China's network lending market, with a good explanation. The analysis of the problem platform found that the comprehensive index based on the governance ability of the network loan platform can track and reflect the dynamic governance of the platform and catch the anomaly of the platform several months in advance. Network loan platform can be focused on the outbreak of early warning, while effectively reducing the loss of investors at the same time warning operators. Therefore, this paper provides real-time monitoring for government departments. Early warning, a new idea of P2P supervision, provides a useful reference for regulating platform operation and protecting investors' rights and interests.
【作者單位】： 江蘇師范大學(xué)外國(guó)語學(xué)院;東南大學(xué)經(jīng)濟(jì)管理學(xué)院;
【基金】：2015年度國(guó)家社科基金重點(diǎn)項(xiàng)目“網(wǎng)絡(luò)型差序格局的‘關(guān)系人’經(jīng)濟(jì)行為一般均衡研究”(項(xiàng)目編號(hào):15AJL004) 2017年度國(guó)家社科基金青年項(xiàng)目“金融科技創(chuàng)新驅(qū)動(dòng)下數(shù)字貨幣信用創(chuàng)造及風(fēng)險(xiǎn)監(jiān)管研究”(項(xiàng)目編號(hào):17CGL011) 2017年度江蘇省社科應(yīng)用研究精品工程“基于互聯(lián)網(wǎng)+普惠金融的實(shí)體企業(yè)成本降低對(duì)策研究”(項(xiàng)目編號(hào):17SYC-029) 2017年東南大學(xué)基本科研業(yè)務(wù)費(fèi)重大引導(dǎo)項(xiàng)目“基于SNA的博弈分析與共享平臺(tái)機(jī)理研究”(項(xiàng)目編號(hào):2242017S10008)
【分類號(hào)】：F271;F272.3;F724.6;F832.4
【正文快照】： 一、問題的提出及相關(guān)研究自拍拍貸2007年上線以來,作為舶來品的P2P網(wǎng)絡(luò)借貸在中國(guó)的發(fā)展已經(jīng)整整十年,而這段時(shí)間也是中國(guó)金融市場(chǎng)化改革的關(guān)鍵時(shí)期,因而從某種意義上來說網(wǎng)絡(luò)借貸行業(yè)能有今天的成績(jī)客觀上是搭了改革的順風(fēng)車。金融市場(chǎng)化改革釋放了全社會(huì)壓抑許久的投融資需，

本文編號(hào)：1463542