经济与管理研究2018，Vol.39Issue(7)：69-79,11.DOI:10.13502/j.cnki.issn1000－7636.2018.07.007
中国P2P网络借贷的产业规制效果分析
Effects of Industrial Regulation on P2P Network Lending in China
摘要
Abstract
Based on the theoretical analysis of industry regulatory policies and measures on the P2P network lending,this paper studies the dynamic effects of structural regulation and behavioral regulation on the level of market performance and inclusive finance using the VAR model.The results show that both structural and behavioral can improve the level of market performance and inclusive finance in the short term,but the effects are not obvious in the long run. Furthermore, both structural and behavioral regulation can effectively predict the change of market performance and inclusive financial levels.Therefore,there are two ways to achieve the desired goals:one is to improve the indicators of structural and behavioral regulation,the other is to promote the level of market performance and the inclusive finance level directly through innovating financial products,promoting the interest rate liberalization,and working in with industrial regulatory measures.关键词
P2P网络借贷/结构规制/行为规制/产业规制效果Key words
P2P network lending/structural regulation/behavioral regulation/industrial regulation effectiveness分类
管理科学引用本文复制引用
付晨玉,杨艳琳..中国P2P网络借贷的产业规制效果分析[J].经济与管理研究,2018,39(7):69-79,11.基金项目
国家社会科学基金重大项目"普惠金融发展视角下精准扶贫、精准脱贫的理论与政策研究"(15ZDC027) （15ZDC027）
教育部人文社会科学重点研究基地重大项目"中国人口增长与经济可持续发展问题研究"(14JJD790042) （14JJD790042）
教育部人文社会科学重点研究基地重大项目"新型城镇化进程中的农业转移人口市民化关键问题研究"(16JJD790044) （16JJD790044）
