基于非定向SBM-DEA模型的网络借贷平台效率分析及启示

Study on the Efficiency of Online Lending Platforms Based on Non-oriental SBM-DEA Model

本文采用非定向SBM-DEA方法测算了中国207个网络借贷平台的综合效率、纯技术效率和规模效率,并比较和分析了不同地域、不同背景下平台第一阶段和第三阶段DEA效率测算结果,研究结果发现:获得上市公司或风险投资机构的融资,有利于改善网络借贷平台效率,外部环境也是影响平台效率的关键因素之一。本文研究结果的启示在于:为促进网络借贷行业的健康发展,既需要制定吸引投资的各种配套制度和政策等,形成良好的软件环境,也需要构建良好的信息基础设施、经济基础等硬件环境。

Based on the non-oriental SBM-DEA, this paper measuresthe comprehensive efficiency, pure techni- cal efficiency and scale efficiencyof 207 P2P network lending platforms in China. And it compares and analyzes the first stage and the third stage of DEA efficiency measurement results with different regions and different platform back- grounds. We find that the external environments is one of the key factors that influence efficiency of platforms, and ob- taining financing from the listed company or venture institutions can improve the eff^ciency of the platforms. So we con- clude that for the healthy development of online lending industry, software and hardware environments should be built. The software environment refers to some measures or polices in order to attract investment in online lending industry. The hardware one means building fine information infrastructure and economic basis.