中国P2P网贷行业发展区域性差异的外部环境影响因素

摘要

基于“网贷之家”发布的2014年中国各地区网贷行业综合发展指数数据,测算了全国28个省(自治区、直辖市)的经济环境指数、信用环境指数、金融环境指数、法律环境指数和受教育水平,研究了它们对中国P2P网贷行业发展区域性差异的作用机理.回归结果显示:经济环境指数、金融环境指数和信用环境指数影响成交得分,受教育水平、法律环境指数和经济环境指数影响安全收益得分,经济环境指数和金融环境指数影响流动性得分,它们作为外部环境因素均间接影响了中国P2P网贷行业发展的区域性差异;经济环境指数、信用环境指数和金融环境指数是直接影响中国P2P网贷行业发展区域性差异的外部环境因素.%Based on the data of the provincial comprehensive development index of P2P lending in 2014 from www.WDZJ.com,this paper measures the economic environment index,credit environment index,financial environment index,legal environment index and education level of 28 provinces,and studies the effect mechanism of these indexes on the regional difference in P2P lending industry in China by the regression analysis.The result shows as follows:economic environment index,financial environment index and credit environment index affect the transaction score;education level,legal environment index and economic environment index affect the safety income score;economic environment index and financial environment index affect the liquidity score;these indexes indirectly affect the regional difference in P2P lending industry as external environmental factors.