摘要
本文以我国网贷行业中流动性潜在风险为研究对象,秉持"内优品质、多维监管、精准避险"理念,从精细考察网贷平台内部运营状态入手,以网贷平台发展指数八大维度因子为坐标,利用因子分析法和回归分析法,对网贷流动性风险进行实证研究。并基于分析结果提出相应的防范措施及化解建议,以期降低网贷平台流动性风险发生的可能性。
Based on the concepts of top internal quality,multi-dimensional supervision and precise anti-risk,this paper took the liquidity potential risks in China's peer-to-peer( also known as P2 P) lending industry as the research object and used the eight dimension factors of The Peer-to-Peer Lending Platform Development Index as coordinates. In this paper,we carried on empirical research based on factor analysis as well as regression analysis,and put forward preventive measures and suggestions on the basis of research conclusions for market parties to reduce the possibility of liquidity risk happened.
出处
《国家行政学院学报》
CSSCI
北大核心
2018年第3期116-121,共6页
Journal of China National School of Administration
关键词
网络借贷
P2P
互联网金融
流动性
防风险
Internet Lending
Peer-to-Peer
Internet Finance
Liquidity
Risk Prevention