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本文以2007-2015年以来浙江省成立的P2P网络借贷平台为样本,应用DEA模型对32家公布数据的P2P借贷平台进行评价,分别计算了这些平台的综合效率和纯技术效率,进行分组对比并利用后续的数据进行验证。实证结果显示,公布数据的P2P借贷平台相对状况较好;但大部分P2P借贷平台未能达到DEA有效的标准,有较大的效率提升空间;效率较低的P2P借贷平台出现问题的概率较高。
In this paper, a P2P lending platform established in Zhejiang Province from 2007 to 2015 is taken as a sample. 32 data lending platforms are evaluated by using DEA model. The comprehensive efficiency and pure technical efficiency of these platforms are calculated and compared respectively Use subsequent data for verification. The empirical results show that the peer-to-peer lending platform for publishing data is in a relatively good condition. However, most P2P lending platforms fail to meet the DEA effective standards and have greater room for efficiency improvement. The lower probability of P2P lending platform is more likely to cause problems .