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P2P网贷行业在最近几年迅速发展,引起了人们越来越多的重视。但是在P2P网贷行业中缺少行业排名这一对投资者和网贷公司的高管们都很重要的指标。本文通过选取63个具有代表性的网贷平台层面和网贷参与者两个层面的15个初始变量的数据,利用因子分析法对其进行处理,在因子分析后得出6个因子指标。通过实证分析,发现网贷平台的发展具有地域差异,P2P网贷盈利性与安全性具有对立统一的关系,同时根据研究结果分别针对监管机构、网贷平台自身和网贷参与者三个人群给出了相关建议。
P2P net loan industry has developed rapidly in recent years, has aroused more and more attention. However, the lack of industry rankings in P2P net lending industry is a very important indicator of the executives of investors and net lending companies. In this paper, the data of 15 initial variables of 63 representative levels of internet loan platform and those of internet loan participants are selected and processed by factor analysis method. Six factor indicators are obtained after factor analysis. Through empirical analysis, it is found that the development of the network loan platform has geographical differences. The profitability and security of P2P network loan have the opposite and unity relationship. At the same time, according to the results of the research, three groups are given to the regulatory agencies, the network loan platform and the network loan participants respectively Out of the relevant recommendations.