基于大数据的互联网借贷平台价值研究

Based on the rapid development of internet, internet lending platforms have emerged in the market, which have brought the huge amounts of borrowing data. Big data resources enlarge and extend the value of internet lending platform value margins. The benefit of lending to small and micro enterprise from internet lending platform has been given widely attention and praise. However, the risk of internet lending platform industry has been frequently observed. Because of the existence of value and risk of internet lending platform, it is needed to in-depth analysis and discussion on whether Internet lending platform can realize the value of the lending efficiently, stability, and safely through the perspective of big data. Based on the view of the analysis on large data value, this project analyze the complexity of the internet lending platform and the characteristics of big data with the internet lending platform. Then, based on the revealing data characteristics and the formation of the internet lending platform, the project study the formation mechanism of business value, market value and social value of internet lending platform, and give the inner mechanism of the value formation on the internet lending platform. Following, the project build a value evaluation system of internet lending platform to estimate it's business value, market value and social value. Finally the project study how the industry risk rising and how to measure the risk, and build risk monitoring system of internet lending platform. The theoretical support and policy suggestions for supervision will be provided in the last part of the research.

基于互联网的高速发展形成了大量的借贷平台，亦带来了海量的借贷大数据。大数据资源具有放大和优化互联网借贷平台价值的能力。互联网借贷平台因其极大惠及小微企业融资而受到广泛的关注和称赞，但从市场行为观察中也看出互联网借贷平台行业存在着很大的风险。互联网借贷平台价值与风险并存，这就需要通过大数据的视角来深入的分析和探讨互联网借贷平台是否能够高效、稳定和安全地实现借贷的价值。本课题基于大数据价值的视角分析互联网借贷平台的复杂性与平台的大数据特征，在揭示互联网借贷平台的数据特征及其形成的基础上，研究大数据下互联网借贷平台的商业价值、市场价值和社会价值形成机制，揭示互联网借贷平台价值形成的内在机理，随后构建价值评价体系对互联网借贷平台的商业价值、市场价值和社会价值进行测度，最后研究互联网借贷平台的风险形成与风险测度，并构建互联网借贷平台的风险监控体系，为监管提供理论支持和政策建议。

基于互联网的高速发展形成了大量的借贷平台，亦带来了海量的借贷大数据。大数据资源具有放大和优化互联网借贷平台价值的能力。在我国，绝大多数互联网借贷平台在经营时已经偏离了信息中介的范畴，平台的收益和借款人的信用高度相关，而平台的价值和风险控制高度相关。本项目基于大数据价值的视角分析互联网借贷平台的复杂性与平台的大数据特征，在揭示互联网借贷平台的数据特征及其形成的基础上，研究了大数据下互联网借贷平台的商业价值、市场价值和社会价值形成机制，揭示互联网借贷平台价值形成的内在机理，最后研究互联网借贷平台的风险评级与预警机制，为监管提供理论支持和政策建议。研究发现，作为一种重要的投融资渠道，互联网借贷平台的存在具有市场和社会价值，但风险控制十分重要，特别是微观层面的风险控制；当前看来，应用大数据技术的风控是重要的解决方案。