田杰,郭紫嫣,靳景玉.我国P2P网贷平台生存状况影响因素研究——基于3842家P2P网贷平台数据的实证分析[J].西部论坛,2019,29(4):53-63
我国P2P网贷平台生存状况影响因素研究——基于3842家P2P网贷平台数据的实证分析
Analysis of Factors Affecting the Survival Status of P2P Online Loan Platforms: Empirical Analysis Based on the Data from 3842 P2P Online Loan Platforms
  
DOI:
中文关键词:  P2P网贷平台  生存状况  生存时间  死亡风险  平台背景  资金银行存管  ICP经营许可证  监管协会
英文关键词:P2P online loan platform  survival status  survival time  death risk  platform background  funds deposit  ICP business license  supervision association
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田杰,郭紫嫣,靳景玉 重庆工商大学a.长江上游经济研究中心b.财政金融学院重庆 400067 
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中文摘要:
      近年来,我国P2P网贷平台在爆发式增长的同时“暴雷”不断,大量平台停业或倒闭的原因有待深入研究。基于网贷之家披露的3 842家P2P网贷平台数据的分析表明,平台实力、风控能力、业务模式及行业监管等方面的因素显著影响P2P网贷平台的生存状况:注册资本金不足、未披露实缴资本、注册城市等级低、无国资系背景、无上市/风投系背景、无资金银行存管、无第三方担保/垫付/保险、无抵(质)押物/风险准备金、有天标/1月标、不允许自动投标和债权转让、未加入监管协会、无ICP经营许可证的平台死亡风险较高、生存时间较短,其中无上市/风投系背景、无资金银行存管、未加入监管协会、无ICP经营许可证的平台生存状况更加严峻;不同因素对问题平台三种死亡状态的影响具有差异性:跑路风险最大的为无资金银行存管、无第三方担保/垫付/保险、无抵(质)押物/风险准备金、无ICP经营许可证的平台,提现困难风险最大的为无资金银行存管、无第三方担保/垫付/保险、有天标/1月标、不允许自动投标和债权转让、未加入监管协会的平台,而无国资系背景、未加入监管协会、无ICP经营许可证是导致平台停业事件发生的主要原因。
英文摘要:
      In recent years, while China’s P2P online loan platforms are greatly increasing, a lot of the platforms are closing down, and the reason for frequently closing down of P2P loan platforms needs to be deeply studied. The analysis based on 3842 P2P online loan platforms disclosed by online loan home shows that platform strength, risk control capability, business model and industry regulation significantly affect the survival status of the P2P platforms. The death risk is high and survival time is short under the situations such as insufficient registered capital, undisclosed paid-in capital, low registered regional level, no state-owned background, no listing/wind investment background, no funds deposit, no third-party guarantee/advance/insurance, no (Quality) collateral/risk reserve, with day mark/1 month mark, no automatic bidding and transfer of creditor's rights, no participation in supervision association, platform without ICP business license, among which the platforms with no listing/wind investment background, no funds deposit, no participation in supervision association, and platform without ICP business license are more severe for survival. The influence of different factors on three kinds of death status of problem platforms is different. The most risk of running is no funds deposit, no third-party guarantee/advance/insurance, no (Quality) collateral/risk reserve, and the platform without ICP business license. The most difficult cashing platforms are those which have no funds deposit, no third-party guarantee/advance/insurance, with day mark/1 month mark, no automatic bidding and transfer of creditor's rights, and no participation in supervision association. The lack of state-owned background, non participation in industrial regulatory association, and no ICP license are the main reasons for the platforms to suspend business.
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