我国P2P小额信贷平台效率研究

资本对企业发展所处的地位,决定了P2P网络信贷对中国经济的重要影响。在宏观上它促进了国内资本的优化配置,丰富了老百姓的投资选择。它是对银行信贷配给制度的一种补充。然而很少有文章从定量的角度分析P2P网络信贷平台的运行效率。因此,文章从此视角出发,通过DEA模型对中国22家知名P2P小额贷款公司进行了效率分析,让我们更清楚地了解目前我国贷款平台规模报酬及纯技术效率所处水平,进而提出一些建议及对策,为进一步研究P2P网络信贷平台打下基础。

The Emciency Research of P2P Micro-Finance Platform in China

The position of the capital on the enterprise development determines the P2P network credit especially impacts on China＇s economy. On the macro way, it promotes the optimized allocation of domestic capital, and enriches the investment choice of ordinary people. It is also a supplement of the bank credit rationing.However,there is just few articles analysis the operation efficiency of the P2P network credit platform from the perspective of quantitative.Therefore,this article begin with the perspective,analysis 22 well-known P2P micro finance company in China by the DEA model. So we can understand more clearly about our country＇s credit platform scale reward and pure technical efficiency level at present,then put forward some Suggestions and countermeasures to lay the foundation for further P2P network credit platform study.