摘要
基于SCP范式对我国P2P网贷行业进行分析,发现我国P2P网贷行业市场集中度低、产品同质化严重和监管趋严。为了应对变化的市场结构,P2P网贷行业自发或根据监管被动地改变市场行为,带来市场绩效不断提高的结果。P2P网贷行业应进行大力整合,提升市场集中度,实现结构优化和规模经济。
Based on the SCP paradigm,the analysis of China's P2P online lending industry found that China's P2P online lending industry has low market concentration,serious product homogeneity and stricter supervision.In order to cope with the changing market structure,the P2P online lending industry spontaneously or passively change market behaviors according to regulation,resulting in continuous improvement of market performance.The P2P online loan industry should vigorously integrate,increase market concentration,and achieve structural optimization and economies of scale.
作者
黄晓红
樊艳甜
刘翔
HUANG Xiaohong;FAN Yantian;LIU Xiang(School of Economics and Management,Zhengzhou University of Light Industry,Zhengzhou 450001,China)
出处
《经济与管理》
CSSCI
2020年第3期44-51,共8页
Economy and Management
基金
河南省科技厅软科学项目(162400410545)
郑州轻工业学院博士科研基金资助项目
郑州轻工业学院2017年研究生教育创新计划基金项目(2017034)。
