| 侯赟慧,卞慧敏.小微企业网贷风险定价模型研究[J].南京邮电大学学报(社会科学版）,2019,21(01):89~ |
| 小微企业网贷风险定价模型研究 |
| On risk pricing model for online small and micro enterprises loans |
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| DOI： |
| 中文关键词: 小微企业网贷 风险评估 定价模型 |
| 英文关键词:small and micro enterprise net loan risk assessment pricing model |
| 基金项目:国家社会科学基金项目“网络平台战略驱动的企业跨界成长研究”（15BGL076）；江苏省社会科学基金项目“江苏电子商务发展反向定制商业生态系统策略研究”（14GLC003）; 中央高校基本科研业务费基础扶持立项项目“网络平台战略驱动的商业银行核心竞争力研究”（2242017S20033）；南京科技发展计划项目“基于科技贷款的科技型中小企业股权融资定价模式研究”（20180919） |
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| 中文摘要: |
| 对小微企业网贷平台的运营模式进行深入分析，发现其运行机制包括需求的同质化解构、需求的模块化生产、需求的风险评估、个性化需求加总，在此基础上构建小微企业网贷风险定价模型。为验证模型的有效性，抽取国内典型互联网金融平台“人人贷”上近期发生的小微企业标的并进行风险定价，将定价结果与实际利率进行比较，发现该模型适用于“卖方市场”的小微企业网贷，能够提供差异化的贷款利率，从而向小微企业提供个性化的网贷产品。 |
| 英文摘要: |
| This paper makes an in depth analysis of the operation modes of online loan platforms for small and micro enterprises. It finds their operating mechanism includes homogeneity deconstruction of demand, modular production of demand, risk assessment of demand, and addition of individual demand. The paper further constructs an individualized pricing model for small and micro enterprise online loans. In order to verify the validity of the model, it takes the “RenRen Loan”, a typical domestic Internet finance platform, as an example, making risk pricing for the recent small and micro enterprise subjects on the platform, and comparing the pricing results with the real interest rate. We find the cost oriented risk pricing model we have constructed is suitable for the small and micro enterprise net loans that are of “the seller’s market”, and can provide a differentiated loan price, which will be able to provide individualized net loan products for small and micro enterprises. |
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