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该文以2011至2015年我国P2P平台的省际面板数据为样本,运用实证方法对我国P2P平台的空间集聚与“跑路”现象进行制度解释。研究发现:正式制度与非正式制度对P2P平台的区域集聚均具有促进作用,且在东部地区的促进效应更为显著;正式制度对P2P平台“跑路”具有抑制效应,且在东部地区的抑制作用更为显著,而非正式制度未能发挥抑制作用。该研究结论是:在我国P2P网络借贷行业快速发展的背景下,应及时提高法制法规等正式制度和信任等非正式制度的整体水平,特别要努力提升中西部地区的制度水平。
This paper takes the inter-provincial panel data of P2P platform in our country from 2011 to 2015 as a sample, and uses the empirical method to explain the spatial aggregation and “runway ” phenomenon of P2P platform in our country. It is found that the formal system and the informal system can promote the regional aggregation of P2P platform and promote the effect in the eastern region more prominently. The formal system has a restraining effect on the P2P platform Of the inhibition is more significant, but the informal system failed to play an inhibitory role. The conclusion of this study is: under the background of the rapid development of P2P online lending industry in our country, we should promptly raise the overall level of the informal system such as the legal system and the formal system of trust and trust, with a particular emphasis on upgrading the institutional level in the central and western regions.