P2P网络借贷成功率影响因素研究.doc

P2P网络借贷成功率影响因素研究
徐慧婷
厦门城市职业学院商贸系
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摘    要:
以美台Prosper为例, 采用二元logistic回归模型建立网络借贷模型, 研究借贷成功率的影响因素及其相对重要程度。结果表明, 影响借款成功率的各因素排名为:投标总数、竞标时间、每月还款金额、借款利率、借款期限、信用评级、有无房产、加入群组、负债/收入比、借款用途、借款金额、照片认证。在研究结论的基础上, 提出了P2P网贷平台借贷成功率的具体建议。
关键词:
P2P网络借贷; 借贷成功率; Logistic模型;
作者简介:徐慧婷, 女, 江西九江人, 厦门城市职业学院商贸系讲师, 研究方向:电子商务与互联网金融。
基金:福建省中青年教师教育科研项目(JAS161010)
An Analysis on the Influencing Factors of essful Borrowing Rate in work Lending
XU Huiting
Department of Business and Trade, Xiamen City Vocational College;
Abstract:
Based on the example of work lending platform Prosper in America, the Binary Logistic Regression model was used to build work lending model, so as to study the influencing factors of essful borrowing rate and to assess the relative importance of each results show that the influencing power of variables are listed in the descending order like the tender sum, the bidding time, monthly repayment amount, interest rate on borrowing, life of loan, credit rating, real asset, join-group, proportion of debt and e, borrowing purpose, borrowing balance and photo to this conclusion, some suggestions are offered so as to improve t
he essful borrowing rate in work lending.
Keyword:
work lending; essful borrowing rate; Logistic model;
0 引言
P2P网络借贷是随互联网