第五章 結論
5.2 可改進之處與展望
在第四章裡用 Bianconi-Barabasi 網路模型來模擬 P2P 平台的交易情形，根據模 擬結果可以發現有準備金下的不均程度比無準備金時小，此外若流動率愈高時，
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此外關於模擬的方法，為了要簡化模擬的程序，對模型做了一些違背實務的設 定，例如在現實中每個社會或個人的資產情形與比率不會是常數、信評模型假 設過於簡單、借貸款總量不會相等…等，這使得模擬出來的結果稍微過於理想 化。若模擬是用有向圖，則可以使借貸款總量不相等，因此要如何正確地解讀 模擬結果並且做出結論將是研究者重要的課題。
以目前的結論來看，以社會網路來研究金融體系是可行的，因為研究成果不僅 合理，而且還可以得到一些用傳統方法所無法發現的新發現，例如利用可視性 網路可以更容易進行風險控管或金融環境的優化。另外風險準備金體制也確實 對P2P 平台起到穩定的作用，雖然他稍微改變了 P2P 的「中心脫媒」精神，卻 也讓P2P 更容易推行。
雖然P2P 借貸非常方便，而且相對於銀行借貸，P2P 借貸具有降低交易成本的 優點，可是因為在信評系統發展還尚未成熟的情形下，使得P2P 的發展一波三 折，因此及早認識P2P 的潛在風險並規避之，才能讓我們在享受 P2P 的便利的 同時又不會造成損失，這對於維持金融市場的穩定尤其重要。
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