北京邮电大学学报(社会科学版)
北京郵電大學學報(社會科學版)
북경유전대학학보(사회과학판)
JOURNAL OF BEIJING UNIVERSITY OF POSTS AND TELECOMMUNICATIONS(SOCIAL SCIENCES EDITION)
2015年
4期
41-49
,共9页
P2 P%网络借贷平台%系统动力学%仿真预测
P2 P%網絡藉貸平檯%繫統動力學%倣真預測
P2 P%망락차대평태%계통동역학%방진예측
P2P%network lending platform%system dynamics%system simulation
P2 P网络借贷作为互联网金融的一部分,近几年来在我国发展迅猛,但由于存在法律空白、监管缺失等问题,其发展的同时也遇到了一定的问题,导致成长受阻。随着监管细则的即将出台, P2 P平台未来的发展趋势备受关注。为了更好地预测P2 P网贷平台的发展趋势,本文运用系统动力学的相关知识建立了P2 P网络借贷平台的成长模型,并运用系统仿真的方法预测出P2 P平台的数量先是保持持续增长,之后会出现大幅下降。
P2 P網絡藉貸作為互聯網金融的一部分,近幾年來在我國髮展迅猛,但由于存在法律空白、鑑管缺失等問題,其髮展的同時也遇到瞭一定的問題,導緻成長受阻。隨著鑑管細則的即將齣檯, P2 P平檯未來的髮展趨勢備受關註。為瞭更好地預測P2 P網貸平檯的髮展趨勢,本文運用繫統動力學的相關知識建立瞭P2 P網絡藉貸平檯的成長模型,併運用繫統倣真的方法預測齣P2 P平檯的數量先是保持持續增長,之後會齣現大幅下降。
P2 P망락차대작위호련망금융적일부분,근궤년래재아국발전신맹,단유우존재법률공백、감관결실등문제,기발전적동시야우도료일정적문제,도치성장수조。수착감관세칙적즉장출태, P2 P평태미래적발전추세비수관주。위료경호지예측P2 P망대평태적발전추세,본문운용계통동역학적상관지식건립료P2 P망락차대평태적성장모형,병운용계통방진적방법예측출P2 P평태적수량선시보지지속증장,지후회출현대폭하강。
As part of the Internet financial , P2P network lending develops rapidly in recent years.However, P2P network lending encounters such problems as lack of relevant laws and regulations , which block the devel-opment of P2P.As the regulatory rules will be soon made , the development trend of P2P attracts much attention.To make accurate predictions of P2P, the growth model of P2P network lending platform is built based on the knowledge of system dynamics , and through the system simulation , it is predicted that the number of P2P net-work lending platforms first maintains a sustainable growth and then has a rapid decline .