基于P2P网络借贷平台的互联网金融对资源配置的影响

Research on the Influence of Internet Finance on Resource Allocation Based on P2P Lending

本章从P2P网络借贷的视角出发,通过理论分析和实证分析相结合的方式,研究互联网金融的发展对社会资源配置造成的影响。在变量选取时,从网络借贷综合利率视角来刻画P2P网络借贷的发展广度,进一步分析互联网金融的成长趋势。社会资源配置方面,本文选择社会融资规模反映实体经济受互联网金融发展的影响,从金融体系中获得的资金总额;通过银行贷款利率指标波动,来分析网贷平台的发展,对传统商业银行借贷行业的冲击,进一步研究互联网金融的发展,对间接融资的影响深度。结合以前互联网金融发展对资源配置影响的理论方法,从质化的视角和量化的层次,分别分析互联网金融对社会资源配置的影响方面和作用程度。从而为政府调整财政政策,影响社会总需求,优化资源配置,从而影响就业和国民收入提供可靠的参考依据。

Internet finance, as the main driving force of financial innovation, to some extent,makes up for the lack of traditional financial institutions, and has a relatively significant impact on the allocation of social resources. In this thesis, we researched the mechanism of internet finance on allocation of resources based on P2P network lending by the methods of the theoretical analysis and empirical analysis. The theoretical analysis shows that Internet finance has affected the government＇s decisinn-making and the alloca- tion of social resources through the dynamic mechanism and information mechanism in the economic system. The empirical analysis results confirmed the results of theoretical analysis, which shows that the development of Internct finance has a significant short-term influence on social financing scale and the traditional financial industry, but the long-term effect is not obvious. The conclusion of/his paper provides the reference for the government to formulate and adjust fiscal policy.