我国网络借贷监管指标的实证分析

Empirical Analysis of Chinese P2P Regulatory Indicator

当下,我国亟需加强对网络借贷的监管,但明确、有效的准入指标付之阙如。数据驱动型监管理念和实证分析方法,有助于我们科学地设定监管指标。建立在6488家平台数据和46个自变量的基础上,运用SPSS软件,分别对问题平台与正常平台,逃避型平台与非逃避型平台进行回归分析发现:针对传统金融机构的股东背景、高管资格和实缴资本之要求也适用于网络借贷。具体而言,准入指标应包括:控股股东或实际控制人为资信良好的企业、高管具备硕士以上学历、公司拥有不低于5000万元的实缴资本等。对于已经准入的网贷机构,可通过落实银行存管、限制投资利率、加强违法网站查处等措施,确保监管效果的可持续性。

Nowadays,our country urgently needs to strengthen supervision of online lending,but there are no clear and effective access indicators.Data-driven regulatory concepts and empirical analysis methods can help us toset regulatory indicators scientifically.On the basis of 6488 platform data and 46 independent variables,with regard to the problem platform and the normal platform,as well as the escaping style platform and the non-escaping style platform inside the problem platform,regression analysis through SPSS software shows that access indicators of shareholder background,executive qualifications and paid-in capital for traditional financial institutions also apply to P2P.In this regard,the access indicators include that the controlling shareholder or the actual controller is an enterprise with good credit,the executive has a master degree or above,paid-in capital isnoless than 50 million RMB etc.For the admitted P2P organization,the sustainability of the regulatory effect can be ensured by implementing bank deposits,limiting investment interest rates,strengthening the investigation and punishment of illegal websites etc.