P2P网络信贷影响因素分析
发布时间：2018-09-09 10:07
【摘要】：P2P网络信贷是我国互联网金融创新的一个重要实践,是指个人通过独立的第三方网络平台相互借贷的一种新型金融服务模式。这种新型金融资模式为小微企业和个人提供了融资平台,使这类人群能够有机会获得融资服务,使其摆脱缺乏资金的困境。P2P网络信贷行业的出现填补了传统金融体系中的空白,为小微企业发展起到了至关重要的作用。 本文以P2P网络信贷为研究对象,总结国内外P2P网络信贷行业的主要模式,分析国内P2P网络信贷行业发展现状,同时根据抓取人人贷平台真实交易数据,运用描述性统计分析和计量模型分析P2P网络信贷成功影响因素,研究发现借款人的借款金额、借款利率、借款人性别和借款人是否拥有房子与P2P网络信贷是显著性的负相关的关系,而借款人是否结婚、借款人的年龄、借款人的收入和借款人的工作年限与P2P网络信贷是显著性的正相关的关系。最后,为改善P2P网络信贷行业发展提出三点建议：第一,加强我国个人征信系统的建设,实现信用信息共享。第二,明确法律性质,确定监管主体。第三,充分发挥P2P网络信贷金融创新优势,为实体经济服务。
[Abstract]:P2P network credit is an important practice of Internet finance innovation in China. It refers to a new type of financial service mode in which individuals borrow from each other through independent third-party network platforms. This new financial model provides a financing platform for small and micro enterprises and individuals, enabling such people to have access to financing services and getting them out of their cash-strapped predicament. The emergence of the P2P network credit industry fills the gap in the traditional financial system. It plays a vital role in the development of small and micro enterprises. This paper takes P2P network credit as the research object, summarizes the main models of P2P network credit industry at home and abroad, analyzes the present situation of domestic P2P network credit industry, and at the same time, according to grasping the real transaction data of Renren loan platform, Using descriptive statistical analysis and econometric model to analyze the factors influencing the success of P2P network credit, the study found that the borrower's loan amount, loan interest rate, The sex of the borrower and whether the borrower owns a house is significantly negatively correlated with P2P online credit, and whether the borrower is married or not, and the age of the borrower, There is a significant positive correlation between the borrower's income and the borrower's working life and P2P network credit. Finally, three suggestions are put forward to improve the development of P2P network credit industry. Firstly, we should strengthen the construction of personal credit information system in our country and realize the sharing of credit information. Second, clear legal nature, to determine the main body of supervision. Third, give full play to P2P network credit financial innovation advantages for the real economy.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F724.6
本文编号：2232075
[Abstract]:P2P network credit is an important practice of Internet finance innovation in China. It refers to a new type of financial service mode in which individuals borrow from each other through independent third-party network platforms. This new financial model provides a financing platform for small and micro enterprises and individuals, enabling such people to have access to financing services and getting them out of their cash-strapped predicament. The emergence of the P2P network credit industry fills the gap in the traditional financial system. It plays a vital role in the development of small and micro enterprises. This paper takes P2P network credit as the research object, summarizes the main models of P2P network credit industry at home and abroad, analyzes the present situation of domestic P2P network credit industry, and at the same time, according to grasping the real transaction data of Renren loan platform, Using descriptive statistical analysis and econometric model to analyze the factors influencing the success of P2P network credit, the study found that the borrower's loan amount, loan interest rate, The sex of the borrower and whether the borrower owns a house is significantly negatively correlated with P2P online credit, and whether the borrower is married or not, and the age of the borrower, There is a significant positive correlation between the borrower's income and the borrower's working life and P2P network credit. Finally, three suggestions are put forward to improve the development of P2P network credit industry. Firstly, we should strengthen the construction of personal credit information system in our country and realize the sharing of credit information. Second, clear legal nature, to determine the main body of supervision. Third, give full play to P2P network credit financial innovation advantages for the real economy.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F724.6
【参考文献】
相关期刊论文 前4条
1 陈初;;对中国“P2P”网络融资的思考[J];人民论坛;2010年26期
2 游春;张绪新;;网络借贷——中小企业融资新平台[J];武汉金融;2012年02期
3 苗晓宇;;“人人贷”风险与防范[J];中国国情国力;2012年01期
4 李安朋;;微小企业融资新出路——网络融资[J];知识经济;2011年03期
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