發(fā)布時(shí)間：2018-01-15 20:23

  本文關(guān)鍵詞：P2P網(wǎng)絡(luò)借貸市場(chǎng)利率主導(dǎo)權(quán)偏離程度的研究——基于雙邊隨機(jī)前沿模型　出處：《數(shù)理統(tǒng)計(jì)與管理》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 雙邊隨機(jī)前沿 利率 主導(dǎo)權(quán)

【摘要】：近年來P2P網(wǎng)絡(luò)借貸作為一種典型的互聯(lián)網(wǎng)金融模式獲得了跳躍式的發(fā)展,由于借貸雙方信息不對(duì)稱,導(dǎo)致我國(guó)P2P網(wǎng)貸市場(chǎng)利率普遍偏高。本文利用雙邊隨機(jī)前沿分析(SFA)方法對(duì)我國(guó)P2P網(wǎng)貸市場(chǎng)借貸雙方利率主導(dǎo)權(quán)力進(jìn)行測(cè)算,并對(duì)借貸雙方的主導(dǎo)權(quán)力對(duì)貸款利率的影響效應(yīng)進(jìn)行定量分析,同時(shí)對(duì)借款者個(gè)體特征對(duì)借貸雙方利率主導(dǎo)權(quán)力的影響進(jìn)行比較分析。實(shí)證結(jié)果表明,出借方擁有明顯的主導(dǎo)權(quán)力,隨著學(xué)歷、年齡、收入、信用等級(jí)的增高,借款人地位將有所改善。
[Abstract]:In recent years, P2P network lending as a typical Internet financial model has been developed by leaps and bounds, because of the asymmetric information between borrowers and borrowers. This paper uses the bilateral stochastic frontier analysis (SFAA) method to measure the dominant power of interest rate of both lenders and borrowers in the P2P network loan market in China. At the same time, the author makes a quantitative analysis of the influence of the dominant power of the two parties on the interest rate, and makes a comparative analysis of the influence of the individual characteristics of the borrower on the dominant power of the interest rate of the two parties. The empirical results show that. Lenders have significant dominance, and the borrower's position will improve as education, age, income, and credit rating increase.
【作者單位】： 山東大學(xué)經(jīng)濟(jì)學(xué)院;
【基金】：山東省自然科學(xué)基金(ZR2014AM014)資助
【分類號(hào)】：F724.6;F832.4
【正文快照】： 0引言近年來,隨著互聯(lián)網(wǎng)技術(shù)的突飛猛進(jìn),以互聯(lián)網(wǎng)為依托的新興產(chǎn)業(yè)一互聯(lián)網(wǎng)金融行業(yè)獲得了跳躍式發(fā)展,P2P網(wǎng)絡(luò)借貸(Online Peer-to-peer Lending)是一種典型的互聯(lián)網(wǎng)金融模式。我國(guó)第一家網(wǎng)貸平臺(tái)一拍拍貸自2007年成立以來,憑借其貸款門j壞�、无需抵押担保、覆福�

本文編號(hào)：1429924