论文部分内容阅读
近年来P2P网络借贷业务发展迅速,2016年8月《网络借贷信息中介机构业务活动管理暂行办法》出台以来,我国P2P网贷服务行业逐步走上合规发展道路。通过结构法对我国P2P网贷行业的市场结构进行实证分析,发现我国P2P网贷行业结构为竞争型,且竞争程度在加强,同时,行业产品差异化程度小,进入壁垒逐步提高,行业门槛大大提升。
In recent years, P2P online lending business has developed rapidly. Since the introduction of “Provisional Measures for the Administration of Business Activities of Internet Loan Information Intermediaries” in August 2016, China’s P2P lending service industry has gradually taken the path of compliance development. Through the structural analysis of the market structure of China’s P2P net loan industry empirical analysis, we found that China’s P2P net loan industry structure is competitive, and the degree of competition is strengthening, at the same time, the degree of industrial product differentiation is small, barriers to entry gradually increased, the industry threshold greatly Enhance.