P2P网络借贷成功率影响因素分析——以拍拍贷为例

发布时间：2018-01-29 21:52

本文关键词： PP网络借贷借款成功率拍拍贷互联网金融　出处：《金融论坛》2014年03期 　论文类型：期刊论文

【摘要】：本文以中国最大的P2P网络借贷网站拍拍贷为例,采用二元logistic回归模型建立网络借贷模型,研究影响借贷成功率的因素,并进行蒙特卡洛模拟。研究结果表明:借款利率、借款人历史失败次数对借款成功率有负的影响,而借款金额、借款人历史成功次数、信用积分、审核项目数对借款结果有正的影响。同时,借款人的性别、住宅情况也对借款结果有影响。在金融市场化改革过程中,与传统金融相比,P2P网络借贷除应重视模式创新之外,更要充分运用大数据的优势进行有效的信用评估和风险评估,从而为征信体系建设和借贷双方服务提供有利条件。
[Abstract]:This paper takes PPDAI, the largest P2P network lending website in China, as an example, and uses a binary logistic regression model to establish a network lending model to study the factors affecting the success rate of lending. And Monte Carlo simulation. The results show that: loan interest rate, the number of historical failures of borrowers have a negative impact on the success rate of borrowing, and the amount of loans, borrowers' historical success times, credit score. The number of audit items has a positive impact on the borrowing results. At the same time, the borrower's gender, housing situation also has an impact on the borrowing results. In the process of financial market-oriented reform, compared with traditional finance. In addition to paying attention to the innovation of the model, P2P network lending should make full use of big data's advantages to carry out effective credit evaluation and risk assessment, so as to provide favorable conditions for the construction of credit system and the service of both sides.
【作者单位】：西安电子科技大学经济与管理学院;
【基金】：陕西省金融学会重点研究课题项目,重点课题之三互联网金融服务模式创新研究(2013ZD03)
【分类号】：F724.6;F832.4
【正文快照】： 一、引言P2P网络借贷是指借贷双方不经过金融中介机构直接进行在线交易的一种金融服务模式。这种新的金融交易模式在2005年英国Zopa在线交易网站创立后得到快速发展。美国的Prosper是目前运行中最大的P2P交易平台,已拥有超过160万的会员,资助超过5亿美元的贷款。在Prosper平

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