平台信息披露、信用评级对P2P平台融资成功率影响研究
发布时间：2018-08-06 18:45
【摘要】：平台信息披露与信用评级是影响出资人意愿,进而影响P2P平台融资成功率的重要因素。本文综合考虑了平台、出资人、借款人三方的相互影响,并以中国第一家P2P借贷平台网站——拍拍贷在2014年1~12月的真实交易数据为样本,研究P2P平台的融资成功率影响因素。研究发现:借款详情描述字数越多,融资成功率越低,这也验证了出资人存在"懒人效应"。借款金额、利率、期限以及历史失败次数均会降低融资成功率。而历史成功次数、性别、工作、平台评级、认证均与融资成功率呈显著的正向关系。其中年龄与融资成功率没有直接关系。在所有影响因素中,平台评级在所有促进融资成功的变量中系数最大。本文研究对规范P2P平台,提高平台融资成功率具有意义。
[Abstract]:Platform information disclosure and credit rating are important factors that affect the willingness of investors and the success rate of P2P platform financing. Based on the real transaction data of PPDAI, the first P2P lending platform in China from January to December 2014, this paper studies the influencing factors of the success rate of P2P financing. The study found that the more words the loan details are, the lower the financing success rate is, which verifies the "lazy person effect" of the investor. The amount of money borrowed, the interest rate, the term, and the number of times of historical failure all reduce the success rate of financing. The number of historical success, gender, work, platform rating, certification and financing success rate were significantly positive relationship. There is no direct relationship between age and financing success rate. Of all the influencing factors, the platform rating has the highest coefficient of all the variables that contribute to the success of the financing. The research in this paper is significant for standardizing P2P platform and improving the success rate of financing.
【作者单位】： 大连理工大学;
【基金】：国家社科基金重大项目“加快我国传统产业向中高端升级发展的微观机制和政策创新研究”(项目编号:ZDA025) 中央高校基本科研业务费资助项目(项目编号:DUT13RW301)
【分类号】：F832.4;F724.6
，
本文编号：2168655
[Abstract]:Platform information disclosure and credit rating are important factors that affect the willingness of investors and the success rate of P2P platform financing. Based on the real transaction data of PPDAI, the first P2P lending platform in China from January to December 2014, this paper studies the influencing factors of the success rate of P2P financing. The study found that the more words the loan details are, the lower the financing success rate is, which verifies the "lazy person effect" of the investor. The amount of money borrowed, the interest rate, the term, and the number of times of historical failure all reduce the success rate of financing. The number of historical success, gender, work, platform rating, certification and financing success rate were significantly positive relationship. There is no direct relationship between age and financing success rate. Of all the influencing factors, the platform rating has the highest coefficient of all the variables that contribute to the success of the financing. The research in this paper is significant for standardizing P2P platform and improving the success rate of financing.
【作者单位】： 大连理工大学;
【基金】：国家社科基金重大项目“加快我国传统产业向中高端升级发展的微观机制和政策创新研究”(项目编号:ZDA025) 中央高校基本科研业务费资助项目(项目编号:DUT13RW301)
【分类号】：F832.4;F724.6
，
本文编号：2168655
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