摘要
网络借贷平台的发展取决于资源配置的有效性,而其发展的可持续性则决定于风控水平。资源配置是金融的基本功能,风险控制则是P2P网络借贷平台企业运营的关键要素,二者有着紧密关联。准确定位网络借贷平台的风险因素,利用"交易可能性集合"理论模型分析P2P平台的资源配置机理,优化平台资源配置对风险控制的研究具有重要意义,同时,在交易可能性模型分析的基础上对影响网络借贷平台成交量的因素做进一步实证分析,最后给出合理的网络借贷平台风险控制的优化策略和建议。
The development of network loan platform depends on the validity of the resoureeaUoeation, while the sustain- ability of its development depends on the risk control level. The resource allocation is the basic function of finance and financial risk eontrol is the core of the Internet financial enterprise competitiveness. The two are closely linked. Accurately positioning the risk factors for network loan platform, analyzing the resource allocation mechanism of P2P platform by employing the theory of ＂trade possibilities set＂, and optimizing the resources allocationon platform are of great significance to the research on risk control. Meanwhile, this paper takes a further empirical analysis on the influencing factors of P2P platform volume based on trading probability model. Finally, this paper provides reasonable optimization strategy and suggestions on the risk control of the network loan platform.
出处
《华侨大学学报（哲学社会科学版）》
2016年第4期33-41,共9页
Journal of Huaqiao University(Philosophy & Social Sciences)
基金
江苏省互联网金融协会省级基金项目"关于中国互联网金融研究课题"(2016省协基28号)
关键词
网贷平台
资源配置
交易可能性集合
风险控制
network loan platform
resource allocation
trade possibilities set
risk control
