民间借贷逾期行为研究——基于P2P网络借贷的实证分析

发布时间：2018-02-04 06:05

本文关键词： 民间借贷借款人 PP 网络贷款逾期行为信用体系　出处：《金融论坛》2013年11期 　论文类型：期刊论文

【摘要】：本文在对网贷参与者逾期行为进行理论分析的基础上,将影响逾期行为的因素分为信用、个人、标的及往期借款四个特征维度,认为网贷平台应当关注借款人的信用状况、个人生活状况、偿还历史及往期借款等指标。通过建立Logit回归模型进行实证分析,发现借款人信用等级、生活状况、居住地区、个人收入、成功借款次数和按时还款次数对借款人逾期率具有显著的负向影响,逾期还款次数、受教育年限、借款利率、借款时间和提前还款次数对借款人逾期率具有显著的正向影响,而有无银行逾期、借款金额及投标笔数对借款人逾期率不存在显著影响。
[Abstract]:Based on the theoretical analysis of overdue behavior of Internet loan participants, this paper divides the factors that affect overdue behavior into four characteristic dimensions: credit, individual, target and prior loan. The author thinks that the net loan platform should pay attention to the credit condition of the borrower, the personal living condition, the repayment history and the loan in the past period and so on. Through establishing the Logit regression model to carry on the empirical analysis, the author finds out the borrower's credit grade. Living conditions, living areas, personal income, times of successful loans and times of repayment on time have a significant negative impact on the overdue rate of borrowers, the times of overdue repayment, the number of years of education, the interest rate of loans. The borrowing time and times of prepayment have a significant positive effect on the overdue rate of the borrower, but the amount of money borrowed and the number of tender notes have no significant influence on the overdue rate of the borrower.
【作者单位】：广西师范大学经济管理学院;
【基金】：广西师范大学学术科技创新基金项目:“民间新型借贷——P2P网络借贷发展的实证研究”
【分类号】：F832.4;F492
【正文快照】： P2P网络借贷平台,即“点对点”借贷(peer to peer lending)平台,是个人利用网络平台将自己的闲置资金(抑或出于投资目的)出借给资金短缺者的新型借贷模式,在此过程中,借款人的各项资料审核以及融资行为等都通过网络实现,P2P网络借贷平台也被称为民间借贷的“网络版”。P2P网络

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