P2P网络借贷平台风险防范机制研究--基于广东省平台数据的实证分析  

Research on Risk Prevention Mechanism of P2P Nework Loan Platform:Empirical Analysis Based on Platform Data from Guangdong

作　　者：杨依君 尹枚[1] 麻佩丽 苏苑莹 孙萌 麦紫铃 YANG Yi-jun;YIN Mei;MA Pei-li;SU Yuan-ying;SUN Meng;MAI Zi-ling(Guangdong University of Technology,Guangzhou 510520,China)

机构地区：[1]广东工业大学经济与贸易学院,广州510520 [2]广东工业大学,广州510520

出　　处：《价值工程》2020年第12期297-298,F0003,共3页Value Engineering

基　　金：广东省大学生创新创业项目,项目编号:201711845195。

摘　　要：本文基于对广东省P2P网贷风险防范机制作用效果的调研,将P2P网贷平台分为正常运营和出现问题两类,利用二值概率模型--Logit模型进行实证分析。实证表明在P2P风险防范机制中,为投资者提供合理的利率报酬水平、担保、资金存托管和不构建内部资金池等措施,能够很好起到维持公司正常运营的作用,为其应对风险提供参考。This paper investigates and studies the effect of P2P network loan risk prevention mechanism,divides P2P network loan platform into two categories:normal operation and problems,and uses the binary probability model Logit model for empirical analysis.The empirical results show that in the P2P risk prevention mechanism,it can maintain the normal operation of the company to provide investors with reasonable interest rate return level,guarantee,fund deposit and custody,and do not build internal capital pool.Finally,the paper puts forward suggestions from three perspectives:regulatory authorities,P2P platform and investors,which can provide reference for them to deal with risks.

关 键 词：互联网金融 P2P网络借贷 风险防范 LOGIT回归 

分 类 号：F830.589[经济管理—金融学]