P2P網路借貸平台風險指標之探討

A Study on Risk Indices of P2P Network Lending Platforms

陳妍俐(Y. L. Chen)

《危機管理學刊》 17卷1期 (2020/03) Pp. 87-98

https://doi.org/10.6459/JCM.202003_17(1).0009

摘要

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。

關鍵字

P2P網路借貸 ； 層級分析AHP ； 德爾菲法

並列摘要

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.

並列關鍵字

P2P Network Lending ； Analytic Hierarchy Process (AHP) ； Delphi Method

參考文獻

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