摘要
P2P网络借贷(简称P2P网贷)是指通过网络借贷平台在线上开展个人对个人的直接信贷交易模式,已成为企业界和学术界共同关注的前沿主题.系统综述了国内外P2P网贷的研究工作,梳理了P2P网贷的研究现状,发现目前的P2P网贷研究集中在运营模式、交易行为、借贷风险和社会网络等四个方面;分析了我国P2P网贷行业的当前发展困境,并总结了我国P2P网贷的研究现状和不足;在此基础上,结合我国P2P网贷的新问题,提出了适合中国情境的P2P网贷研究的未来方向,包括:社交网络下P2P网贷运营模式与机理、P2P网贷风险评估与预警、P2P网贷投资组合优化、P2P网贷平台绩效评价.
Peer-to-peer(P2P)lending,an advanced topic of common concern in business and academia,is a method of online credit loans that enables individuals to borrow and lend money directly via social network.In this paper,a survey of P2P lending literatures is systematically presented,and current research in P2P lending is summarized comprehensively,which demonstrated that current research focuses on four aspects:operation model,lending behavior,default risk,and social network.Further,the practical difficulties of current development of China’s P2P lending industry are analyzed,and then both the status quo and deficiencies of current research of China’s P2P lending are summarized.Then,considering the new difficulties in current practices in China’s P2P lending,some promising future research topics are proposed by taking the special scenarios in China into consideration,which include the operation mode and mechanism in the social network,risk assessment and early warning,portfolio optimization,and performance assessment of P2P lending.
作者
刘翱
邓旭东
童泽平
任亮
Liu Ao;Deng Xudong;Tong Zeping;Ren Liang(Evergrande School of Management,Wuhan University of Science and Technology,Wuhan 430065,China;Center for Service Science and Engineering,Wuhan University of Science and Technology,Wuhan 430065,China)
出处
《系统工程学报》
CSCD
北大核心
2020年第3期402-415,共14页
Journal of Systems Engineering
基金
国家社会科学基金资助项目(16BJY160)
湖北省教育厅人文社会科学研究资助项目(17Q034)
武汉科技大学青年科技骨干培育计划资助项目(2016xz0l7,2017xz031).
