P2P网贷对我国金融资源配置效率的影响——基于DEA方法

Abstract

本文运用DEA方法，把政府财政支出、金融机构从业人数、金融机构贷款余额和P2P网贷平台数量作为投入要素，GDP和城镇就业人员单位工资总额作为产出要素，对比分析P2P网贷产生前后我国沿海地区以及全国的金融资源配置效率的变化，从而确定P2P网贷对金融资源配置效率的影响。结果表明，P2P网贷对我国金融资源配置效率具有促进作用，对我国大部分沿海省份具有保持甚至促进配置效率的作用。This paper, taking government fiscal expenditure, the workforce in financial institutions, the loan balance of financial institutions and the amount of P2P online lending platform as input factors, and GDP and the total salary of urban employees as output ones, applies DEA to compare and analyze the changes of the financial resource allocation efficiency in the coastal and global areas of our country before and after P2P online lending created, to make sure the influence of P2P online lending on the efficiency of financial resource allocation. The result shows that P2P online lending has positive advantages on financial resource allocation efficiency, moreover, to most of the coastal provinces, it plays a role in maintaining, even promoting allocation efficiency.