| The p2 p online lending model represented by Zopa and Prosper,began to spring up in Europe and the United States since 2005.Under the developing trending of inclusive finance,financial innovation and financial disintermediation,p2 p online lending industry has received widespread attention and recognition.At the same time,it was spread rapidly around the world.Creditease founded in 2006 began to do business in p2 p lending industry as a small loan company.China's first real p2 p online lending platform ppdai was established in 2007.Then just a few years' time,according to China's huge population base and increasingly strong demand for financing,many P2 P online lending platforms have been established.And the whole industry expanded in a bomb.However,the tremendous risk contains in the rapid development.During the early stage of industry development,p2 p online lending platform quality to be irregular owing to the lack of clear regulation and supervision.Many problem platforms have emerged,causing great damage to people's property.Therefore,in order to make the industry much better,we must make a scientific evaluation of the competitiveness of the net loan platform.Currently researches on the evaluation of p2 p online lending platform competitiveness are relatively limited,mainly from the performance of competitiveness for qualitative comparison,or the factors to impact competitiveness for quantitative analysis.However,researches on the resource and formation of p2 p online lending platform competitiveness have seldom been discussed in the theory.At the same time,the effects of different factors and their influence on the competitiveness of the evaluation model have not been considered.In view of this,this paper based on the endogenous theory of enterprise competitiveness,combined with network lending platform characteristics,clarified and reviewed the origin and formation of p2 p online lending platform's competitiveness in the theory for the first time.We found that P2 P online lending platform's competitiveness is the result of the joint effect of resources and capabilities.According to the degree of competition,we identify and divide the resources.Finally,we analyzed the competitiveness of p2 p online lending platform from the three dimensions of tangible resources,intangible resources and capabilities.At the same time,the corresponding evaluation index system is established.Based on that,taking into account the role among tangible resources,intangible resources and capacity and it's impact on the competitiveness,we referred the idea of Cobb Douglas production function and strength function to establish a competitiveness evaluation model of network lending platform,and chose AHP and entropy weight method as the evaluation method of model.On this basis,based on the 2015 30 net lending platform data we carried out an empirical analysis and found:(1)In the current stage of the net loan industry,the resource is still the main factor determining the competitiveness of the net loan platform;(2)With the competition between robust platforms becoming fierce,the importance of integration ability to the competitiveness is being highlighted,the trend of the industry competition will develop in depth.Cultivating the enterprise internal strength and bringing the existing resources into play a greater role will help the p2 p online lending platform to get the commanding heights in the industry competition;(3)Every p2 p online lending platform place the risk control ability to the core status,while the low-ranking platforms are weak in the other abilities.Integration capabilities cannot achieve the multiplier effect of competitiveness because of the various abilities haven't formed a coordinated development;(4)The resource advantages of the p2 p online lending platform are still based on the financial resources and brand resources.While technical resources,human resources and knowledge resources that contribute to the sustainable development are given less attention.Finally,according to the empirical results and analysis,this paper put forward some countermeasures and suggestions. |
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