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基于面板数据似不相关回归方法所建立的模型对P2P网贷平台商业模式和平台价值实现之间相关性的估计结果显示:各类安全保障模式均与平台收益显著负相关,各类安全保障模式均与投资人收益均显著正相关,各类流动性模式均与借款成交量显著正相关,并且流动性越强的流动性模式使得借款成交量越低,各类盈利模式均与投资人收益显著正相关,并且越是结构复杂的盈利模式,投资人收益越高;盈利模式对投资人收益的影响要大于盈利模式对借款成交量的影响。
The model based on irrelevant regression of panel data shows that the correlation between the business model of P2P P2P platform and the realization of platform value shows that all kinds of security models are significantly and negatively related to platform revenue, and all kinds of security model Both of which were significantly and positively correlated with the returns of investors. All kinds of liquidity models were significantly and positively correlated with the volume of borrowings, and the liquidity model with stronger liquidity made the volume of borrowings lower and the profitability of various types of investors both remarkably affected the returns of investors Positive correlation, and the more complicated the structure of the profit model, the higher the profit of investors; profit model of investor returns greater than the impact of profit model on the volume of borrowings.