摘要
以2014年1月至2015年7月P2P平台的数据为基础,运用DEA方法比较不同类型的P2P网络借贷平台运营效率,结果显示:民营系平台和风投系平台运营效率占领先地位,上市系平台仅次于民营系平台和风投系平台,国资系平台再次之,银行系平台运营效率相对最低。因此,要提升P2P网络借贷平台运营效率,应加强风险控制,规范内部控制,并强化优质资产端、专业运营团队、细分市场化服务的建设。
Using the data of P2P platform from January 2014 to July 2015,the paper compares the operational efficiency of different types of P2P network lending platform based on DEA method. The results show that： the operating efficiency of private and venture capital P2P network plays the leading position,the listed companies P2P second,the state-owned P2P network followed by,the bank P2P network is,relatively the lowest. Therefore,in order to enhance the operational efficiency of P2P network lending platform,we should not only enhance risk control and regulate the internal control but also strengthen high-quality assets,build professional operations team and improve market segmentation services.
出处
《南京审计大学学报》
2016年第3期87-95,共9页
Journal of Nanjing Audit University
基金
国家社会科学基金项目(14BJY016)
国家自然科学基金青年项目(71201086)
江苏省审计信息工程重点实验室开放课题(AIE201201)
江苏省高校自然科学基金面上项目(15KJB520020)
2015年南京审计大学校级高等教育研究课题
关键词
P2P网络借贷平台
运营效率
金融风险
互联网金融
民间小额借贷
企业融资效率
金融理财产品
投融资平台
P2P network lending platform
operational efficiency
financial risk
internet banking
private microlending
efficiency of enterprise financing
financial products
platform of investment and financing
