【摘要】：P2P網(wǎng)絡(luò)信貸是我國(guó)互聯(lián)網(wǎng)金融創(chuàng)新的一個(gè)重要實(shí)踐,是指?jìng)�(gè)人通過(guò)獨(dú)立的第三方網(wǎng)絡(luò)平臺(tái)相互借貸的一種新型金融服務(wù)模式。這種新型金融資模式為小微企業(yè)和個(gè)人提供了融資平臺(tái),使這類人群能夠有機(jī)會(huì)獲得融資服務(wù),使其擺脫缺乏資金的困境。P2P網(wǎng)絡(luò)信貸行業(yè)的出現(xiàn)填補(bǔ)了傳統(tǒng)金融體系中的空白,為小微企業(yè)發(fā)展起到了至關(guān)重要的作用。 本文以P2P網(wǎng)絡(luò)信貸為研究對(duì)象,總結(jié)國(guó)內(nèi)外P2P網(wǎng)絡(luò)信貸行業(yè)的主要模式,分析國(guó)內(nèi)P2P網(wǎng)絡(luò)信貸行業(yè)發(fā)展現(xiàn)狀,同時(shí)根據(jù)抓取人人貸平臺(tái)真實(shí)交易數(shù)據(jù),運(yùn)用描述性統(tǒng)計(jì)分析和計(jì)量模型分析P2P網(wǎng)絡(luò)信貸成功影響因素,研究發(fā)現(xiàn)借款人的借款金額、借款利率、借款人性別和借款人是否擁有房子與P2P網(wǎng)絡(luò)信貸是顯著性的負(fù)相關(guān)的關(guān)系,而借款人是否結(jié)婚、借款人的年齡、借款人的收入和借款人的工作年限與P2P網(wǎng)絡(luò)信貸是顯著性的正相關(guān)的關(guān)系。最后,為改善P2P網(wǎng)絡(luò)信貸行業(yè)發(fā)展提出三點(diǎn)建議：第一,加強(qiáng)我國(guó)個(gè)人征信系統(tǒng)的建設(shè),實(shí)現(xiàn)信用信息共享。第二,明確法律性質(zhì),確定監(jiān)管主體。第三,充分發(fā)揮P2P網(wǎng)絡(luò)信貸金融創(chuàng)新優(yōu)勢(shì),為實(shí)體經(jīng)濟(jì)服務(wù)。
[Abstract]:P2P network credit is an important practice of Internet finance innovation in China. It refers to a new type of financial service mode in which individuals borrow from each other through independent third-party network platforms. This new financial model provides a financing platform for small and micro enterprises and individuals, enabling such people to have access to financing services and getting them out of their cash-strapped predicament. The emergence of the P2P network credit industry fills the gap in the traditional financial system. It plays a vital role in the development of small and micro enterprises. This paper takes P2P network credit as the research object, summarizes the main models of P2P network credit industry at home and abroad, analyzes the present situation of domestic P2P network credit industry, and at the same time, according to grasping the real transaction data of Renren loan platform, Using descriptive statistical analysis and econometric model to analyze the factors influencing the success of P2P network credit, the study found that the borrower's loan amount, loan interest rate, The sex of the borrower and whether the borrower owns a house is significantly negatively correlated with P2P online credit, and whether the borrower is married or not, and the age of the borrower, There is a significant positive correlation between the borrower's income and the borrower's working life and P2P network credit. Finally, three suggestions are put forward to improve the development of P2P network credit industry. Firstly, we should strengthen the construction of personal credit information system in our country and realize the sharing of credit information. Second, clear legal nature, to determine the main body of supervision. Third, give full play to P2P network credit financial innovation advantages for the real economy.
【學(xué)位授予單位】：內(nèi)蒙古農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F724.6

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本文編號(hào)：2232075