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本文在Lending Club成功上市的背景之下,以我国有代表性的十二家网贷平台为研究对象,以2014年10月至2015年03月的数据为研究样本。首先,运用基于DEA的Malmquist模型来评价这十二家网贷平台的运行效率,然后以效率值也就是Malmquist指数为被解释变量,引入新的解释变量,运用面板数据模型,得出回归结果,通过显著性检验,最后为我国P2P网贷平台的发展给出一些建议。
Based on the successful listing of Lending Club, this dissertation takes 12 typical internet loan platform in China as the research object and the data from October 2014 to March 2015 as the research sample. First of all, we use the Malmquist model based on DEA to evaluate the operating efficiency of these twelve online loan platforms. Then, we use the efficiency value (Malmquist index) as explanatory variable, introduce new explanatory variables, and apply panel data model to get the regression results. Through the test of significance, finally gives some suggestions for the development of our P2P lending platform.