基于DEA模型的P2P网络借贷平台经营绩效评价

Operation Performance Evaluations of P2P Network Lending Platforms Based on DEA

摘要: 自2015年以来，P2P网络借贷平台发展出现滑铁卢，在短短几年间，市场上正常运营的P2P网络借贷平台迅速从3000多家锐减为300多家。一方面是因为外部需求在不断发生变化，平台传统的经营模式已不适应发展需求；另一方面平台自身的经营绩效也存在一定的问题。本文运用数据包络分析方法研究P2P网络借贷平台的DEA有效性，同时对比经过ICP认证与未经ICP认证的P2P网络借贷平台的DEA有效性差异，并对非DEA有效的P2P网络借贷平台进行DEA有效性指标数值调整。

Abstract: Since 2015, the development of P2P network lending platforms has failed and the number of P2P network lending platforms in normal operation on the market has rapidly decreased from more than 3,000 to more than 300. On the one hand, because the external demand is constantly changing, the traditional business model of the platform is no longer suitable for the development demand. On the other hand, the operation performance of platform itself also has some problems. In this paper, data envelopment analysis (DEA) model is firstly used to evaluate the operation performance of P2P network lending platforms. Then, the differences between P2P network lending platforms authenticated by ICP and those unauthenticated by ICP are investigated, and the adjustment of each index of non-DEA effectiveP2P network lending platform is pointed out.