發(fā)布時間：2018-01-15 20:23

  本文關(guān)鍵詞：P2P網(wǎng)絡(luò)借貸市場利率主導(dǎo)權(quán)偏離程度的研究——基于雙邊隨機前沿模型　出處：《數(shù)理統(tǒng)計與管理》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稱,導(dǎo)致我國P2P網(wǎng)貸市場利率普遍偏高。本文利用雙邊隨機前沿分析(SFA)方法對我國P2P網(wǎng)貸市場借貸雙方利率主導(dǎo)權(quán)力進行測算,并對借貸雙方的主導(dǎo)權(quán)力對貸款利率的影響效應(yīng)進行定量分析,同時對借款者個體特征對借貸雙方利率主導(dǎo)權(quán)力的影響進行比較分析。實證結(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)濟學(xué)院;
【基金】：山東省自然科學(xué)基金(ZR2014AM014)資助
【分類號】：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,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。我國第一家網(wǎng)貸平臺一拍拍貸自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：1429924