基于DEA方法的P2P网贷平台运营效率评价

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英文篇名：An Evaluation of Operational Efficiency of P2P Online Lending Platform Based on DEA Method 作者：王月 ; 刘丙泉 英文作者：WANG Yue;LIU Bing-quan;School of Economics & Management,China University of Petroleum; 关键词：P2P网贷平台 ; 运营效率 ; DEA 英文关键词：P2P online lending platform;;operational efficiency;;DEA 中文刊名：JZGC 英文刊名：Value Engineering 机构：中国石油大学(华东)经济管理学院; 出版日期：2019-07-18 出版单位：价值工程 年：2019 期：v.38;No.532 语种：中文; 页：JZGC201920007 页数：4 CN：20 ISSN：13-1085/N 分类号：32-35

摘要

截止2019年3月,P2P网贷平台数量较2016年增长了1000余家,而行业总成交量却没有相应的提高。为了评估我国P2P网贷平台的运营状况,文章利用DEA模型考察了我国25家P2P网贷平台的综合技术效率、纯技术效率以及规模效率水平,并分别测算了P2P网贷平台中个人信贷、企业信贷两类业务的发展状况。结果显示:网贷平台间运营效率差异较为明显,且绝大多数平台的规模效率较低;P2P网贷平台的企业信贷业务运营效率水平要高于个人信贷业务。
        Until March 2019, the number of P2P online lending platforms has increased by more than 1,000 compared with 2016, while the total transaction volume of the industry has not increased correspondingly. In order to evaluate the operation status of P2P online lending platforms in our country, this paper uses DEA model to evaluate the comprehensive technical efficiency, pure technical efficiency and scale efficiency levels of 25 P2P online lending platforms in China, and respectively calculate the development of personal credit and enterprise credit in these platforms. The results show that there are significant differences in operating efficiency between P2P online lending platforms,and the scale efficiency of most platforms is low. The operating efficiency of enterprise credit business of P2P online lending platform is higher than that of personal credit business.

引文

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