P2P金融平台借款者资信评估体系研究

发布时间：2018-01-16 04:26

本文关键词：P2P金融平台借款者资信评估体系研究　出处：《辽宁大学》2015年硕士论文　论文类型：学位论文

【摘要】：近年来,P2P金融机构信贷业务正在以蓬勃的态势发展,P2P金融机构已经成为中小微企业和个人消费者借款的机构之一,合法投资者也将P2P金融机构作为赚取利润的平台,P2P信贷的特点是快捷便利、无担保,信贷资金的安全完全依靠借款者的信用,因此对P2P金融平台和投资者来说,最大的风险即为借款者信用风险,在我国信用评价体系不健全的条件下,一旦借款者信用出现问题,欠款不还,投资者的资产将遭受损失,P2P金融平台将存在坏账风险,投资者对P2P平台的信任度将会降低,整个运营易陷入恶性循环。因此找出对借款者信用状况产生影响的因素进而构建信用评价体系,对于保证P2P平台良好运营、保障投资者合法权益、切实帮助借款者筹借款项、维护好金融秩序具有非常重要的意义。以往对借款者信用的评估多采用打分的方法,指标权重的确定多采用主观的层次分析法。本文运用logistic回归方法,通过对某P2P平台公司的借款者相关信息进行分析,再对借款者进行资信评估,即对各类借款者所负债务能否如约还本付息的能力和可信任程度进行综合评价,最终提取出对借款者信用评估产生影响的因素,这对于P2P公司降低坏账风险率、为投资者建立安全的投资平台,具有重要意义。主要工作包括:建立借款者信用风险评估体系指标集;对数据进行分类和预处理;对不同分类的借款者进行描述统计分析;分别采用多项Logistic和二元logistic回归方法建立借款者信用评估模型;参数估计的结果显示以下十个因素会对借款者信用产生影响:借款者单位性质、借款者工作岗位所属行业、借款者工作岗位、借款者是否为循环贷、借款者银行流水日均余额、借款者资产负债比、借款者贷款或者信用卡3个月内逾期次数、借款者贷款或者信用卡6个月内申请次数、借款者有无担保、借款者本人素质;最后,提出降低投资者风险、完善我国P2P金融平台信用评估制度和改善数据收集质量的相关建议。
[Abstract]:In recent years, P2P financial institutions credit business is booming. P2P financial institutions have become small and medium-sized enterprises and individual consumers to borrow one of the institutions. Legitimate investors also take P2P financial institutions as a platform for making profits. P2P credit is characterized by fast and convenient, unsecured, and the security of credit funds depends entirely on the credit of borrowers. Therefore, for P2P financial platform and investors, the biggest risk is the borrower credit risk. Under the condition of imperfect credit evaluation system in China, once the borrower credit problems, the debt will not be repaid. Investors' assets will suffer losses. P2P financial platform will have the risk of bad debts, investors' trust in P2P platform will be reduced. The whole operation is easy to fall into a vicious circle. So find out the factors that affect the credit status of borrowers and then build a credit evaluation system to ensure the good operation of P2P platform and protect the legitimate rights and interests of investors. It is very important to help borrowers to raise money and maintain financial order. In the past, the evaluation of borrowers' credit often used the method of scoring. The index weight is determined by the subjective analytic hierarchy process. This paper uses the logistic regression method to analyze the relevant information of the borrowers of a P2P platform company. Then the credit rating of borrowers, that is, the ability and the degree of trust of all kinds of borrowers to repay their debts, and finally extract the factors that have an impact on the credit evaluation of borrowers. This is of great significance for P2P companies to reduce the risk rate of bad debts and to establish a safe investment platform for investors. The main work includes: establishing the index set of borrowers' credit risk assessment system; Classification and preprocessing of data; Describe and analyze the borrowers in different categories; The credit evaluation model of borrowers is established by using multiple Logistic and binary logistic regression method. The results of the parameter estimate show that the following ten factors have an impact on the borrower's credit: the nature of the borrower's unit, the industry in which the borrower works, the borrower's job, and whether the borrower is a revolving loan. The average daily balance of the borrower's bank is income, the ratio of assets to liabilities of the borrower, the number of overdue times within three months of the borrower's loan or credit card, the number of times the borrower has applied for the loan or credit card within six months, and the borrower has no guarantee. The quality of the borrower himself; Finally, some suggestions are put forward to reduce the risk of investors, perfect the credit evaluation system of P2P financial platform and improve the quality of data collection.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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