基于csQCA的P2P网络借贷平台信用影响因素

针对P2P网络借贷平台成交量及数量减少的现象,运用网络爬虫技术等方法,获取了上市系、国资系、风投系、创业系4个类别共40个P2P网络借贷平台的实际数据;建立了基于品牌信用、交易信用、人气信用、服务信用4个维度的P2P网络借贷平台信用评估模型;运用csQCA方法对其平台信用影响因素进行构型分析。研究表明:交易信用中的信息透明度是影响P2P网络借贷平台信用的主要要素,其次是品牌信用中的合规程度;高品牌信用是上市系和创业系P2P网络借贷平台高信用值产生的必要条件;高交易信用是国资系P2P网络借贷平台高信用值产生的必要条件。政府和P2P网络借贷平台应重点关注品牌信用和交易信用的变化,为借款人和出借人营造良好的交易氛围。

Credit Influencing Factors of P2P Network Lending Platform based on csQCA

The article focuses on the phenomenon of the decrease in the volume and quantity of the P2P network lending platform. It uses the methods of web crawling technology to obtain the actual data of 40 P2P network lending platforms in the four categories of listing,state-owned,venture capital and entrepreneurship. The paper establishes a credit evaluation model for P2P network lending platform based on four dimensions:brand credit,transaction credit,popular credit and service credit. It uses the csQCA method to analyze the configuration factors of its platform credit. Research shows that the transparency of information in transaction credit is the main factor affecting the credit of P2P network lending platform,and secondly,the degree of compliance in brand credit. High brand credit is a necessary condition for the high credit value of the listing system and the entrepreneurial P2P network lending platform. High transaction credit is a necessary condition for the high credit value of the P2P network lending platform of the state-owned assets. Therefore,the government and P2P network lending platforms should focus on changes in brand credit and transaction credit,creating a good trading atmosphere for borrowers and lenders.