A 2020 perspective on "The performance of the P2P finance industry in China"

被引：4

作者：

Gao, Yu ^{[1
]}

Yu, Shih-Heng ^{[2
]}

Chen, Ming ^{[3
]}

Shiue, Yih-Chearng ^{[4
,5
]}

机构：

[1] Harbin Engn Univ, Sch Econ & Management, Harbin, Peoples R China

[2] Natl United Univ, Dept Business Management, Miaoli, Taiwan

[3] Nanjing Univ Finance & Econ, Sch Mkt & Logist Management, Nanjing, Peoples R China

[4] Natl Cent Univ, Dept Business Adm, Taoyuan, Taiwan

[5] Natl Cent Univ, Dept Informat Management, Taoyuan, Taiwan

来源：

ELECTRONIC COMMERCE RESEARCH AND APPLICATIONS | 2020年 / 40卷

关键词：

Capital bubble; Fintech; Financial risk early warning; Peer-to-peer lending; Policy risk; Social restrictions;

D O I：

10.1016/j.elerap.2020.100940

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

Peer-to-peer (P2P) lending has suffered a major setback in China of late. Prior to this, practitioners and researchers generally under-estimated the operational risks of the industry and the constraints imposed by social conditions. This has not necessarily resulted in a complete failure of the model, but does it have a chance of making a comeback in China? This is not likely in the financial cycle we're going through, because of the complicated factors involved. However, the experience offers an important cautionary tale for financial technology (fintech), and prompts thoughts about its future directions.

引用

页数：2

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