北京邮电大学学报(社会科学版) ›› 2015, Vol. 17 ›› Issue (4): 41-49.

• 电子商务 • 上一篇    下一篇

P2P网贷平台发展趋势研究

  

  1. 北京邮电大学 经济管理学院,北京100876
  • 收稿日期:2015-04-03 出版日期:2015-08-31 发布日期:2023-03-27

Trends of P2P Network Lending Platform

  1. School of Economics and Management, Beijing University of Posts and Telecommunications, Beijing 100876, China
  • Received:2015-04-03 Online:2015-08-31 Published:2023-03-27

摘要: P2P网络借贷作为互联网金融的一部分,近几年来在我国发展迅猛,但由于存在法律空白、监管缺失等问题,其发展的同时也遇到了一定的问题,导致成长受阻。随着监管细则的即将出台,P2P平台未来的发展趋势备受关注。为了更好地预测P2P网贷平台的发展趋势,本文运用系统动力学的相关知识建立了P2P网络借贷平台的成长模型,并运用系统仿真的方法预测出P2P平台的数量先是保持持续增长,之后会出现大幅下降。

关键词: P2P, 网络借贷平台, 系统动力学, 仿真预测

Abstract: As part of the Internet financial, P2P network lending develops rapidly in recent years However, P2P network lending encounters such problems as lack of relevant laws and regulations, which block the development of P2P As the regulatory rules will be soon made, the development trend of P2P attracts much attention To make accurate predictions of P2P, the growth model of P2P network lending platform is built based on the knowledge of system dynamics, and through the system simulation, it is predicted that the number of P2P network lending platforms first maintains a sustainable growth and then has a rapid decline

Key words: P2P, network lending platform, system dynamics, system simulation

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