我国P2P网络借贷逾期率影响因素实证研究

发布时间：2018-05-18 21:20

本文选题：P2P网络借贷 + 逾期率　；参考：《广西师范大学》2017年硕士论文

【摘要】：P2P网络借贷用的是个人借贷的理念,就是通过网络的方式,将借款人和出借人联系起来,实现借款人和出借人之间的联系。P2P借贷平台属于互联网金融的一类,不同于传统借贷的是,互联网借贷平台消除了人与人之间的空间距离通过互联网,借贷双方交换信息而无需通过现场进行确认。由于简便快捷的优势,互联网金融迎来了高速发展。P2P网络借贷平台的发展带来了互联网借贷平台的风险问题。近年更是有大量爆发并导致部分互联网借贷平台倒闭的趋势。其中有小部分网络借贷平台涉嫌非法集资导致借贷平台跑路,更多的还是借贷平台对于风险控制没有把握好,造成了大量的金融借款逾期。对于P2P网络借贷平台而言,借款逾期率的控制就如同P2P网络借贷平台的生命,已经有学者对于P2P网络借贷平台的出借人借贷行为作出研究,出借人是否借款会参考借款人所提供的基本信息。借款人所提供的基本信息描述会影响到借款人是否成功借款。借款人个人信息以及信用状况对于出借人来说是非常重要的因素,会对出借人的基本出借人的决策产生影响。P2P网络借贷平台的影响因素以及P2P网络借贷平台对于风险逾期的管理和如何降低P2P网络借贷平台逾期率的研究。借款者的基本信息是借款者对于个人信息的总体陈述。然而借款人所提供的信息并不一定是完全真实的,通过互联网,借款人和出借人之间虽然构成联系。但是借款人和出借人之间仍然是信息不对称的状态,因为信息不对称的存在,借款人更倾向于向借款着提供更“漂亮”的信息,从而使得自己更容易获得借款。借款人对于信息的提供可能影响到借款人最终这笔借款是否会逾期。在理论方面,逾期理论主要分为行为理论和信息不对称理论。行为理论分为主动逾期和被动逾期,主动逾期的原因是借款者出于集资的目的。被动逾期的原因是借款者本身并没有很强的逾期目的,但是由于某些特殊的原因,从而产生被动逾期。被动逾期的原因产生主要是来源于借款者对于自身财务状况没有一个很好的评估,从而产生了超出自身预料的还款压力进而导致逾期的产生。逾期理论还有信息不对称理论,信息不对称理论是借款者对于本身信息存在解释上的原因,无法让出借者理解或者存在某些问题。也有借款者出于欺骗的本意,隐瞒个人真实信息,从而获取贷款。由于信息不对称的存在进而产生逆向选择和道德风险。逆向选择和道德风险的存在使得借款人逾期行为会更加影响到借款者的借款难度,借款人的信息对于出借者是主要影参考因素。国内的借款平台对于本身的风控都非常重视,借款平台的逾期风险是风险控制中的重要内容。借款者需要在借款平台上完整的表述借款人的基本信息,如借款者的年龄,月收入等。通过借款者所提供的基本信息,出借人会对于借款者所提供的信息进行评估。基于评估后出借人选择是否进行出借。国内外对于P2P网络借贷的研究文献研究主要集中在P2P网络借贷中的风险监管以及法律框架建设。还有部分文献是对于信用体系的构建等。对于借款者和出借者的研究较多的关注于借款者和出借者的借贷行为上,研究主要在于借款成功率。对于逾期率的研究较少。本文旨在研究借款人所提供的基本信息对于借款者最终是否逾期构成影响,如果构成影响,那么借款者所提供的基本信息中有哪些因素最终会影响借款人逾期。借款人的基本信息状况中哪些是最主要的影响因素,这些最主要的影响因子对于逾期的率是否显著是本文重要的研究内容。本文对于人人贷的数据就逾期率展开实证研究。首先是对逾期行为进行理论分析,将逾期行为分为主动逾期和被动逾期分别讨论;接下来,把对逾期率产生影响的可搜查的变量进行实证分析。通过主成分分析找到主要的影响变量,再通过多元回归证明变量和逾期率之间的关系实证结果表明,在所研究的变量中,与逾期率有着明显关系的是为利率、借款期限、年龄、工作时间、成功次数、房产、借款总额、月收入、借款数量、信用分数、信用额度。这些变量对于逾期率都产生了影响,有些是正向的有些是负向的。
[Abstract]:P2P network borrowing is the idea of personal lending, which is the way to connect borrowers and lenders through network, and to realize the link between borrowers and lenders, and the.P2P lending platform belongs to the category of Internet finance. Unlike traditional lending, the Internet lending platform eliminates the space distance between people and people through each other. On the Internet, the borrowers and the borrowers exchange information without identifying them through the scene. Because of the simple and quick advantages, the Internet Finance ushered in the development of the high speed development.P2P network lending platform, which has brought about the risk of the Internet lending platform. In recent years, there have been a large number of outbreaks and the trend of the collapse of some interconnected lending platforms. Some of the Internet lending platform is suspected of illegal fund-raising, which leads to the lending platform running. More or less credit platform is not good for risk control, resulting in a large amount of financial borrowing overdue. For the P2P network lending platform, the control of the loan overdue rate is like the life of the P2P network lending platform, and there have been scholars on the P2P network lending. The borrower's loan behavior is studied. The borrower's loan will refer to the basic information provided by the borrower. The basic information description provided by the borrower will affect the borrower's successful loan. The borrower's personal information and the credit status are a very important factor for the lenders, and the borrower will be essential to the borrower. The factors that affect the.P2P network lending platform and the P2P network lending platform for risk overdue management and how to reduce the overdue rate of the P2P network lending platform. The borrower's basic information is the overall statement of the borrower's personal information. However, the borrower's information is not necessarily complete. Actually, through the Internet, the borrower and the borrower are linked, but the borrower and the borrower are still in a state of information asymmetry, because the asymmetry of information, the borrower is more inclined to provide more "beautiful" information to the loan, thus making it easier to get the loan. The borrower is about the information. In theory, the overdue theory is divided into behavioral theory and information asymmetry theory. Behavior theory is divided into active overdue and passive overdue. The reason for the overdue is that the borrower is out of capital. The reason for the passive overdue is that the borrower itself is not very strong. The overdue purpose is due to some special reasons, resulting in a passive overdue period. The reason for the passive overdue is mainly due to the lack of a good assessment of the borrower's own financial situation, which leads to the overdue process beyond the expected repayment pressure. The overdue theory and the information asymmetry theory, The theory of interest asymmetry is the reason why the borrower explains the information of its own, and can not let the borrower understand or have some problems. The borrower also conceals the personal real information from the original intention of deception, thus obtaining the loan. The adverse selection and moral hazard are produced by the asymmetric information. The existence of the risk causes the borrower's overdue behavior to affect the borrower's difficulty of borrowing more. The borrower's information is the main reference factor for the borrower. The domestic borrowing platform attaches great importance to its own wind control. The overdue risk of the borrowing platform is the important content of the risk control. The borrower needs to be complete on the loan platform. The basic information of the borrower, such as the borrower's age, monthly income, and so on. Through the basic information provided by the borrower, the borrower will assess the information provided by the borrower. Based on the evaluation of the borrower, the borrowor will choose whether to borrow. The research literature on P2P network lending at home and abroad is mainly focused on P2P network lending There are also some literature on the construction of the credit system and the construction of the credit system. For the borrowers and the borrowers, the research mainly focuses on the borrower and the borrower's lending behavior. The research mainly lies in the loan success rate. The study of the overdue rate is less. This paper aims to study the basic of the borrowers. Information has an impact on whether the borrower eventually overdue, if it is an impact, then what factors in the basic information provided by the borrower will ultimately affect the borrower's overdue. What are the most important factors in the borrower's basic information status, which are the most important factors for the overdue rate? First, the overdue behavior is theoretically analyzed, and the overdue behavior is divided into active overdue and passive overdue discussion. Then, the empirical analysis of the variables that can affect the overdue rate is analyzed. The main analysis is found through the principal component analysis. The empirical results of the relationship between the variable and the overdue rate show that, in the variables studied, there is a significant relationship between the rate of interest, the period of borrowing, the age, the working time, the number of success, the real estate, the total amount of borrowing, the monthly income, the amount of borrowing, the credit score, the amount of credit. The rate of return has been affected, some of which are positive and some are negative.
【学位授予单位】：广西师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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