P2P網路借貸平台風險指標之探討

A Study on Risk Indices of P2P Network Lending Platforms

10.6459/JCM.202003_17(1).0009

陳妍俐(Y. L. Chen)

P2P網路借貸 ； 層級分析AHP ； 德爾菲法 ； P2P Network Lending ； Analytic Hierarchy Process (AHP) ； Delphi Method

危機管理學刊

17卷1期（2020 / 03 / 01）

87 - 98

繁體中文

本研究觀察國內外網路借貸發展經驗、彙整相關文獻及採用專家意見，探討P2P網路借貸平台風險的關鍵指標，經由德爾菲法專家群體決策並獲取一致性意見，整理出3大構面與17項評估準則，再針對具P2P網路借貸有相當認知與理解之銀行信貸5年以上經驗之人士發放問卷填答。並以AHP層級分析法兩兩比較，計算出相對重要之權重，得到前六大重要指標。最後，依分析結果提出建議，作為投資民眾選擇P2P網路借貸平台之參考、平台業者與政府單位建立適當管理及規範之參考依據，期望未來網路借貸能在台灣發展更加順利蓬勃。

Most Taiwanese are still quite unfamiliar with P2P Network Lending. This study observes the domestic and international development experiences, the collection of relevant literature and the experts' opinions to explore the key indicators of the P2P network lending platform risks. Through the Delphi method, this study sorts out the 3 major facets and 17 assessment criteria. 35 experts with more than 5 years of experience in bank credit business and understanding P2P network lending transactions are invited as examiners of AHP questionnaire. The result of this study shows that the main crucial six indexes are as follows: message transparency, credit review, platform default, social opinion, platform volume, and internal control management. Finally, based on the summary of analysis results, this study provides recommendations for P2P network lending platform investors, platform operators and government agencies to establish appropriate management and regulation.

1. Ashta A, Assadi(2010).online or offline?:The Rise of Peer-to-Peer Lending in Microfinance.Journal of Electronic Commerce in Organizations,8(3)
2. Barasinska, Nataliya,Schaefer, Dorothea(2014).Is Crowdfunding Different? Evidence on the Relation between Gender and Funding Success from a German Peer-to-Peer Lending Platform.German Economic Review,15(4),450-451.
3. Chen, Xiangru,Zhou, L.,Wan, Difang(2016).Group social capital and lending outcomes in the financial credit market: An empirical study of online peer-to-peer lending.Electronic Commerce Research and Applications,15,1-13.
4. Cinca, S.(2015).Determinants of default in p2p lendind.PloSOne,10(10),e0139427.
5. Dalkey, N.,Helmer, O.(1963).An experimental application of the Delphi method to the use of experts.Management Science,9(3),458-467.
6. Dejun, Z.(2014).Discussion on risk control of P2P financing.E-Commerce Letters,3(4),29-33.
7. Everett, C. R.(2010).Group membership, relationship banking and loan default risk: The case of online social lending.Banking and Finance Review,7(2)
8. Hartman, A.(1981).Reaching consensus using the Delphi technique.Educational Leadership,38(6),495-497.
9. Herrero-Lopez, S.(2009).Social interactions in P2P lending.Proceedings of the 3rd Workshop on Social Network Mining and Analysis,3,1-8.
10. Klafft, M.(2008).Online peer-to-peer lending:A lenders.Proceedings of the International Conference on E-Learning, E-Business, Enterprise Information Systems, and E-Government EEE
11. Linstone, H. A.(Ed.),Turoff, M.(Ed.)(1975).Reality construction as a product Techniques and applications.
12. Mild, Andreas,Waitz, Martin,Woeckl, Juergen(2015).How low can you go? - Overcoming the inability of lenders to set proper interest rates on unsecured peer-to-peer lending markets.Journal of Business Research,68(6),1291-1305.
13. Mrrry, J. W.,Hammons, J. D.(1995).Delphi: A Versatile Methodology for Conducting Qualitative Research.The Review of Higher Education,18,426-436.
14. Ram, S.,Sheth, J. N.(1989).Consumer Resistance to Innovations: the Marketing Problem and its Solutions.The Journal of Consumer Marketing
15. Sheth, J. N.(1981).Research in MarketingResearch in Marketing,未出版
16. 文海興 (2016). “P2P 網路借貸行業的特點與風險防範,” 2016 年 5 月 16 日, 取自http://www.nifa.org.cn/nifa/2955722/2957885/index.html
17. 王紫薇,袁中華,鐘鑫(2012)。中國 P2P網路小額信貸運營模式研究─基於拍拍貸、宜農貸的案例分析。新金融，2，42-45。
18. 呂嘉穎,徐正戎(2017)。從法制層面分析P2P 網路借貸在中國大陸造成之影響─兼論台灣之展望與衝擊。財金論文叢刊，26，55-69。
19. 宋文娟(2001)。一種質量並重的研究法德菲法在醫務管理學研究領域之應用。醫務管理期刊，2(2)，11-19。
20. 李朝暉(2017)。基於市場供求的應用型本科院校互聯網金融人才培養模式研究。廣西教育（職業與高等教育版），3，89-90。
21. 李慕真(2016)。台北市，東吳會計系。
22. 財經 (2017). “p2p 債權轉讓的幾種主要模式 ,” 2017 年 2 月 10 日 , 取自https://kknews.cc/zh-tw/finance/6nmqpnq.html
23. 張靜婕、簡榮宗 (2014). “P2P 貸款服務平台法律問題初探,” 臺灣法律網.
24. 許杏宜(2016)。P2P 網路借貸的法律未來。會計研究月刊，368，44-48。
25. 陳奕全(2007)。國立台灣科技大學企業管理系碩士班。
26. 葛慶穩(2014)。對當前我國 P2P 網路借貸平臺發展的思。時代金融，5
27. 裴學成、高翔、倪經緯 (2016). “網際網路金融 P2P 網絡借貸的風險分析及防控對策 ,” 2016 年 8 月 17 日 , 取自https://kknews.cc/zh-tw/finance/6lpnom.html
28. 劉麗麗(2013)。我國 P2P 網路借貸的風險和監管問題探討。徵信，11，29-32。
29. 鄭菀瓊(2016)。P2P 網路借貸平台之法律性質─以《銀行法》、《民法》與美國之法規遵循事項為探討核心。科技金融與法制研討會，台北市:
30. 魏麗萍,陳德棉,謝勝強(2017)。誰動了我的績效？─P2P 平臺成交量的驅動要素和影響機制研究。外國經濟與管理，39(6)，114-124。
31. 蘇鈺婷(2016)。台北市，國立臺灣大學管理學院財務金融研究所。