摘要
本文基于人人贷统计数据的实证结果表明,网络借贷模式异化对普惠金融发展影响是复杂的,并非简单促进或抑制。网络借贷原始模式在金融服务覆盖率和交易效率上优势显著。短期内,模式异化能更好地控制信用风险和提高借款成功率;在长期发展中,模式异化与普惠金融理念相悖,网络借贷机构逐渐呈现出客户选择的偏好,是典型的普惠金融机构使命漂移,最终向传统金融模式趋同。以发展普惠金融为目的,网络借贷机构应在商业可持续的基础上回归纯信息中介模式。
The main objects of inclusive financial service generally have the characteristics of low income and high risk. Based on the data of Renrendai platform,the empirical results show that the impact of the mutation of P2P model on inclusive financial development is complex and not simply promoted or inhibited. Pure information intermediary model has significant advantages in financial service coverage rate and transaction efficiency. In the short term, the platform of mutated model can control credit risk more better and improve the likelihood of success in borrowing. In the long term, the mutated model is incompatible with the inclusive financial concept. P2P will gradually reveal the features of despising the poor and flattering the rich,and the supporting role for the real economic will converge to the traditional financial model. To promote inclusive finance,based on commercial sustainability,P2P should return to pure information intermediary model.
出处
《金融发展研究》
北大核心
2017年第12期3-12,共10页
Journal Of Financial Development Research
关键词
网络借贷模式异化
使命漂移
普惠金融
搜寻成本
可获得性
online P2P lending model mutate
mission drift
inclusive finance
search cost
availability
