摘要
本文基于"拍拍贷"平台的数据,通过社会网络分析(SNA)方法探讨了P2P网络借贷的行为模式,以提高P2P网络借贷平台的效率,降低管理成本,从根本上提高我国P2P网络借贷平台的质量。本文研究发现,P2P网络借贷中参与人的出借行为具有羊群效应;出借人每次出借金额较少;出借金额与不低于该出借金额的出借人数量呈幂律分布。因此,P2P网络借贷平台应针对出借人构建出借资金监测管理机制、通过构建出借人激励机制、提高小额出借人信任度、增强大额出借人黏度,从而提升P2P网络借贷平台效率,实现规模经济。
This paper is aimed at exploring the P2P lending patterns through social network analysis which is based on the statistics of ＂PaiPaiDai＂. It is to improve the efficiency of P2P lending platforms and to reduce the cost of management that can fundamentally increase the quality of our P2P lending platform. According to the research, their lending actions have a sheep-flock effect and the lenders only lend a small amount of money to others. The numbers of lenders who always lend higher than the lending amount shows a power-law distribution with the lending amount so that the lenders can be divided into the large quantity of small amount lenders and the small quantity of large amount lenders. Therefore, except building a lenders＇ credit monitoring and evaluation mechanism on the P2P online lending platform, it should also construct a monitoring and management system on the money lent by the lenders, increase the small amount borrowers＇ credibility and improve the large amount borrowers＇ viscosity through building a lenders＇ incentive mechanism and raising the entrance threshold. This is helpful to increasing the efficiency of P2P lending and realizing the economy of scale.
出处
《金融发展研究》
北大核心
2016年第8期3-10,共8页
Journal Of Financial Development Research
基金
教育部人文社会科学研究规划基金项目"P2P网络借贷主体决策行为与风险防控策略研究"(15YJAZH066)
北京市社科联青年社科人才资助项目"电子商务促进首都产业结构优化调整对策研究"(2015SKL009)的资助
关键词
P2P网络借贷
羊群效应
行为
幂律分布
P2P lending, sheep-flock effect, behavior, power-law distribution
