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P2P(person to person)网贷公司作为新兴金融服务模式的一种,一方面有效解决了中小民营公司融资难的问题,弥补了传统银行小额贷款业务的空缺;另一方面,将吸收来的社会闲置资金通过公司平台出借给贷款人,增加了资金的配置效率,一举双得。这种新兴的金融服务模式刚刚出现就显现出旺盛的发展势头,交易额与用户数也逐年增加;但是运营中的问题也逐渐显现。笔者根据搜集的信息数据,找出可能影响其发展的因素;通过因子分析方法实证分析影响P2P网贷公司发展能力的各指标,进而提出对策建议。
P2P (person to person) As a kind of emerging financial service mode, the net loan company effectively solves the problem of small and medium-sized private-owned companies financing difficulties and makes up for the vacancy of the traditional bank micro-loan business. On the other hand, Social idle funds are lent to lenders through the corporate platform, increasing the allocation efficiency of funds and achieving both benefits. This emerging financial services model has shown a strong momentum of growth just as it appeared. The volume of transactions and users has also increased year by year; however, operational problems have also gradually emerged. Based on the collected information and data, the author finds out the factors that may affect its development. Through factor analysis, this paper empirically analyzes the various indexes that affect the development capability of P2P net loan companies, and then puts forward countermeasures and suggestions.