基于交易可能性集合理论对网络借贷平台风险控制的研究

摘要

The development of the network lending platform depends on the validity of the resources allocation, and its develop-ment sustainability depends on the risk control level. The resources allocation is the basic function of finance, while the risk control is the key element of P2P network lending platform enterprise operation, and both are closely related. It is of great significance for the re-search on the risk control to accurately define the risk factors of the network lending platform, analyze the resources allocation mecha-nism of P2P platform using the theory of “transaction possibility set”, and optimize the platform resources allocation. At the same time, based on the analysis on the transaction probability model, the paper makes a further empirical analysis on factors influencing the transaction volume of the network lending platform. Finally, the paper gives reasonable optimization strategy and suggestions of risk control of the network lending platform.%网络借贷平台的发展取决于资源配置的有效性，而其发展的可持续性则决定于风控水平。资源配置是金融的基本功能，风险控制则是P2P网络借贷平台企业运营的关键要素，二者有着紧密关联。准确定位网络借贷平台的风险因素，利用“交易可能性集合”理论分析P2P平台的资源配置机理，优化平台资源配置对风险控制的研究具有重要意义。同时，本文在交易可能性模型分析的基础上对影响网络借贷平台成交量的因素做进一步实证分析，最后给出合理的网络借贷平台风险控制的优化策略和建议。