网贷平台效率的测度方法及其验证
Study of Efficiency Measure Method and the Verification on P2P Lending Platform
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摘要: 为互不相识的借贷双方提供优质高效的撮合匹配服务是P2P平台的本质属性。尝试在现有研究的基础上构建一个基于DEA模型的平台效率测度方法,并以部分平台为样本,对该方法的合理性及适用性进行验证,结果表明DEA效率测度方法对于普通无“背书”民营平台具有良好的解释性。Abstract: Providing high quality and efficient matching service for lenders and borrowers is the essential attribute of P2P online platform. Based on the existing research, this paper establishes a DEA method to measure the platform efficiency. Moreover, sample platforms will be selected to verify the reasonability and applicability of the method above. The result shows that this method is fully capable of explaining the efficiency of ordinary private platforms which has no endorsement.