价值共创视角下P2P网贷核心利益相关者的协同评价——以宜人贷为例
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摘要
本文首次将协同理论引入P2P网贷的研究中,分析出P2P网贷具有系统协同的特点。接着对P2P网贷核心利益相关者之间的协同关系进行了分析,并选择合适的序参量,构建网贷核心利益相关者的协同度模型,以宜人贷为例研究P2P网贷核心利益相关者的有序度和系统协同发展程度。实证结果表明:平台、投资人和借款人三个子系统均有序发展良好,但2013～2017年复合系统协同度处于一个低水平波动状态,五年间的平均协同度仅有0.1049,本文认为应该明确协同目标、建立相关的协同机制,才能实现P2P网贷的价值共创。
This paper firstly introduces the synergy theory into the research of P2 P network lending, and analyzes the characteristics of system synergy of P2 P network lending.Then the paper analyzes the synergy among the core stakeholders of P2 P network lending, selects the scientific and reasonable order parameters, constructs the synergy model of the core stakeholders of the network lending on the basis of previous researches and designs, and studies the order degree and the system synergy development degree of the core stakeholders of P2 P network lending with Yirendai as an example. The empirical results show that the internal orderly development level of the three subsystems of P2 P network lending platform, investor and borrower is all good, but the composite system synergy degree formed by the three subsystems from 2013 to 2017 has been at a low-level fluctuation state, and the average synergy degree in the five years is only 0.1049. Therefore, this paper holds that the core stakeholders of P2 P network lending shall establish the relevant and perfect synergy mechanism on the basis of clear synergy goal, in order to realize the sustainable value creation of P2 P network lending.
This paper firstly introduces the synergy theory into the research of P2 P network lending, and analyzes the characteristics of system synergy of P2 P network lending.Then the paper analyzes the synergy among the core stakeholders of P2 P network lending, selects the scientific and reasonable order parameters, constructs the synergy model of the core stakeholders of the network lending on the basis of previous researches and designs, and studies the order degree and the system synergy development degree of the core stakeholders of P2 P network lending with Yirendai as an example. The empirical results show that the internal orderly development level of the three subsystems of P2 P network lending platform, investor and borrower is all good, but the composite system synergy degree formed by the three subsystems from 2013 to 2017 has been at a low-level fluctuation state, and the average synergy degree in the five years is only 0.1049. Therefore, this paper holds that the core stakeholders of P2 P network lending shall establish the relevant and perfect synergy mechanism on the basis of clear synergy goal, in order to realize the sustainable value creation of P2 P network lending.
引文
[1] 李鑫.金融监管与中国P2P网贷的发展及异化[J].财经科学.2016,(5):32～40.
[2] Caroline S,Makinen M.FinTechs in China-With a Special Focus on Peer to Peer Lending[J].Journal of Chinese Economic and Foreign Trade Studies,2017,10(3):215～228.
[3] 彭冰.P2P网贷与非法集资[J].金融监管研究,2014,(6):13～25.
[4] Pine B J,Peppers D.Do you want to keep your customers forever[J].Harvard Business Review,1995,73(2):103～114.
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[8] 王璐.价值共创的利与弊[J].企业管理,2017,(4):110～112.
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[15] 吴庆田,姜南.我国P2P网络借贷的合理利率区间分析——基于核心利益相关者的视角[J].商业经济研究,2017,(5):176～179.
[16] [德]赫尔曼·哈肯.协同学——大自然构成的奥秘[M].上海译文出版社:凌复华译,2005.
[17] [美]冯·贝塔朗菲.一般系统论(基础、发展和应用)[M].清华大学出版社:林康义,魏宏森译,1987.
[18] 陈平.文明分岔、经济混沌和演化经济动力学[M].北京:北京大学出版社,2004.
[19] 尼克利斯.非平衡系统的自组织[M].北京:科学出版社,1986.
[20] 廖理,张伟强.P2P网络借贷实证研究:一个文献综述[J].清华大学学报(哲学社会科学版),2017,(2):186～199.
[21] 李思明.社交朋友网络资本与P2P网贷行为选择研究[J].上海金融,2016,(4):47～52.
[22] 张婷.P2P网络借贷引入第三方担保的问题探析[D].上海:华东政法大学,2016:1～55.
[23] Haken H.Synergetics[M].Stuttgart:Teubner,1973.
[24] 安德鲁·坎贝尔.战略协同[M].任通海,尤大伟译.北京:机械工业出版社,2003:120～132.
[25] 周三多.管理学——原理与方法[M].上海:复旦大学出版社,1999:1～434.
[2] Caroline S,Makinen M.FinTechs in China-With a Special Focus on Peer to Peer Lending[J].Journal of Chinese Economic and Foreign Trade Studies,2017,10(3):215～228.
[3] 彭冰.P2P网贷与非法集资[J].金融监管研究,2014,(6):13～25.
[4] Pine B J,Peppers D.Do you want to keep your customers forever[J].Harvard Business Review,1995,73(2):103～114.
[5] Whiteley R,Hessan D.Customer-centered growth:Five strategies for building competitive advantage[J].Managing Service Quality,1996,6(5):47～52.
[6] Vargo S L,Lusch R F.Evolving to a new dominant logic for marketing[J].Journal of Marketing,2004,68(1):1～17.
[7] Lambert M,Enz G.Managing and measuring value co-creation in business to business relationships[J].Journal of Marketing Management,2012,28:1588～1625.
[8] 王璐.价值共创的利与弊[J].企业管理,2017,(4):110～112.
[9] 简兆权,肖霄.网络环境下的服务创新与价值共创:携程案例研究[J].管理工程学报,2015,29(1):20～29.
[10] 和军,任晓聪.共享经济下互联网金融发展研究 ——以P2P网络借贷为例[J].中国特色社会主义研究,2016,(6):35～41.
[11] Prahalad V,Ramaswamy C.Creating unique value with customers[J].Strategy and Leadership,2004,32(3):4～9.
[12] Haken H.Synergetics:Nonequilibrium phase transition and self-organization in physics,chemistry and biology[M].Berlin,Heidelberg,New York:Springer,1977.
[13] Haken H.Synergetics as a strategy to cope with complex systems[J].Springer Series in Synergetics,1993,(26):5～11.
[14] Lusch R F,Nambisan S.Service innovation:A service dominant logic perspective[J].Managent Information Systems Quartely,2015,39(1):155～171.
[15] 吴庆田,姜南.我国P2P网络借贷的合理利率区间分析——基于核心利益相关者的视角[J].商业经济研究,2017,(5):176～179.
[16] [德]赫尔曼·哈肯.协同学——大自然构成的奥秘[M].上海译文出版社:凌复华译,2005.
[17] [美]冯·贝塔朗菲.一般系统论(基础、发展和应用)[M].清华大学出版社:林康义,魏宏森译,1987.
[18] 陈平.文明分岔、经济混沌和演化经济动力学[M].北京:北京大学出版社,2004.
[19] 尼克利斯.非平衡系统的自组织[M].北京:科学出版社,1986.
[20] 廖理,张伟强.P2P网络借贷实证研究:一个文献综述[J].清华大学学报(哲学社会科学版),2017,(2):186～199.
[21] 李思明.社交朋友网络资本与P2P网贷行为选择研究[J].上海金融,2016,(4):47～52.
[22] 张婷.P2P网络借贷引入第三方担保的问题探析[D].上海:华东政法大学,2016:1～55.
[23] Haken H.Synergetics[M].Stuttgart:Teubner,1973.
[24] 安德鲁·坎贝尔.战略协同[M].任通海,尤大伟译.北京:机械工业出版社,2003:120～132.
[25] 周三多.管理学——原理与方法[M].上海:复旦大学出版社,1999:1～434.