基于融资担保机制的P2P网贷满足性研究被引量：3

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摘要基于网贷平台信息服务中介的定位,网贷市场"去担保化"趋势不可避免,但网贷平台的"去担保化"切勿"一刀切"。研究发现,在五种担保模式中,融资性担保模式和风险准备金模式,对于网贷融资满足性存在显著的正向相关关系,起到了积极的促进作用。采取不同担保模式的网贷平台的风险性存在巨大差异,平台数据的有效性及参考价值也存在差异。网贷市场引入担保机制,不可避免地强化了网贷投资者的"羊群行为",即非理性行为。但是在借贷经济活动过程中,网贷参与者更偏好于小额借贷,保持资金的流动性及安全性,这也是网贷市场中投资者自觉规避风险的手段。

作者郭贝贝

机构地区中共中央党校(国家行政学院)经济学教研部

出处《金融与经济》北大核心 2018年第6期89-92,共4页 Finance and Economy

基金中国社会科学院国情调研重大项目"互联网金融创新与规范"

关键词 P2P网贷融资满足性去担保化极大似然估计法监管机制

分类号 F832.4 [经济管理—金融学]

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参考文献3

1陈霄,丁晓裕,王贝芬.民间借贷逾期行为研究——基于P2P网络借贷的实证分析[J].金融论坛,2013,18(11):65-72. 被引量：56
2潘永明,仝云丽.基于担保机制的网络联保融资模式创新[J].财经理论与实践,2014,35(3):2-7. 被引量：5
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