P2P网贷平台评级制度设计缺陷分析  

Analysis on Shortcomings of Rating System Design of P2P Internet Loan Platform

作　　者：莫易娴[1] 谭振辉 

机构地区：[1]华南农业大学,广州市510642

出　　处：《上海立信会计金融学院学报》2017年第5期50-62,共13页Journal of Shanghai Lixin University of Accounting and Finance

基　　金：国家统计局课题(2013LY120)生存分析;系统性风险与农户贷款违约概率分析;广东省哲学社会科学"十二五"规划2014年学科共建项目(GD14XYJ17):P2P网络借贷;生存分析与宏观经济风险;国家留学基金委出国访学项目(201508440475);华南农业大学研究生2015重点课题:互联网融资模式案例研究支持;华南农业大学"211"青年项目(2012211QN06)

摘　　要：P2P网络信贷使信贷的流程简便、信贷的灵活性提高以及信贷成本降低,旨在逐渐减少中间媒介对于信贷双方资金的干涉力度。但目前我国P2P网贷模式的实质无异于传统金融信贷,仍然存在第三方平台过度干涉借贷双方的活动、私自占用资金池等现象。如果没有完善的监管制度和评级制度,则网络信贷平台由于信息不对称易导致资源不能合理分配,甚至信贷双方易对平台失去信心而淡出P2P网贷市场。本文利用SAS分析软件拟合自相关并结合相关的经济理论,以国内某评级公司的评级为例,研究分析其对网贷平台评级的科学性和可行性,找出网贷平台评级存在的缺陷,最后针对这些缺陷为P2P网贷发展提供相关的建议。P2P internet loan could simplify loan procedures, increase loan flexibility and decrease loan cost so as to gradually decrease the intervention power of mediums for credit parties. However, current P2P internet loan model in China has no substantial difference with traditional loan business. The third-party platform overly intervened activities of lenders and borrowers and occupied funds pool without permission. Without complete regulation system and rating system, internet loan platform could not rationally allocate resources due to information asymmetry. Both lenders and borrowers would retreat from P2P internet loan market because of no confidence of the platform. The paper applied SAS to match auto-correlation and relevant theory and took certain rating system of a rating company as an example to analyze the scientific features and feasibility of above-mentioned rating system and found some shortcomings of the rating system. At last,the paper provided some targeted suggestions to develop P2P internet loan business.

关 键 词：P2P网络借贷 网贷平台 评级 SAS自相关分析 

分 类 号：F830.2[经济管理—金融学]