中国互联网金融发展绩效测度研究  

Study on the Development Performance Measurement of Internet Finance in China

作　　者：聂富强[1] 丁少玲 路紫萌[3] NIE Fu-qiang;DING Shao-ling;LU Zi-meng(School of Statistics,Southwestern University of Finance and Economics,Chengdu 611130,China;College of Science,Guilin University of Technology,Guilin 541004,China;Shanghai Branch,Ping An Bank Co.,Ltd.,shanghai 200062,China)

机构地区：[1]西南财经大学统计学院,四川成都611130 [2]桂林理工大学理学院,广西桂林541004 [3]平安银行股份有限公司上海分行,上海200062

出　　处：《统计与信息论坛》2019年第8期42-49,共8页Journal of Statistics and Information

基　　金：国家社会科学基金重大项目《中国各地HDI指数的编制和研究》(16ZDA010);国家社会科学基金青年项目《中国绿色金融统计的理论、方法与应用研究》(18CTJ005);广西中青年教师基础能力提升项目《关联性视阈下“房地产—银行”部门间系统性金融风险研究》(2019KY0262)

摘　　要：互联网金融行业发展绩效评价对防范金融风险、促进互联网金融健康发展、健全互联网金融监管制度具有重要意义。从经营和管理两个维度出发构建绩效评价指标体系,对3个重要互联网金融平台进行绩效测度,研究结果表明:第三方支付平台的风控能力维持较好,但存在着互联网金融平台间发展不平衡和互联网金融平台内发展不充分的现象;管理绩效对互联网金融平台发展绩效的影响最大,经营绩效次之;从动态维度看,P2P网贷平台资源整合能力和平台法律风险对其绩效影响的变化幅度较大。针对提升互联网金融监管效能、营造互联网创新驱动、完善金融统计监测、完善征信体系、促进行业自律等方面提出对策建议。此外,结论也证实互联网金融仍然存在人民日益增长的美好生活需要和不平衡不充分的发展之间的矛盾。It is of importance to evaluate the development performance of internet finance to prevent internet financial risks,promote healthy development and improve supervision system.From the two dimensions of business and management,the performance measurement index system is constructed to evaluate the performance of 3 key internet finance platform.The results show that risk control capability of third-party payment platform maintains better,but there is imbalanced development between internet finance platforms and insufficient development in internet finance platform.The management performance influence best,the business performs weaker.Finally,the countermeasures and suggestions are put forward from the improvement of Internet financial supervision efficiency,the creation of Internet innovation driving,the improvement of financial statistics monitoring,the improvement of the credit information system,and the promotion of industry self-discipline.Meanwhile,the conclusion also confirms that there is still a contradiction between the growing needs of people's life and imbalanced development on internet finance platforms.

关 键 词：互联网金融发展 绩效测度 熵权法 TOPSIS模型 

分 类 号：F832[经济管理—金融学]