| 骆永慧,岳中刚.我国P2P网络借贷平台的借款风险研究[J].南京邮电大学学报(社会科学版）,2016,(01):60~68 |
| 我国P2P网络借贷平台的借款风险研究 |
| Loan risk of P2P network lending platforms in China: |
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| 中文关键词: P2P网络借贷 违约风险 风险识别 |
| 英文关键词::online peer-to-peer lending default risk risk identification |
| 基金项目:中国博士后科学基金一等资助“包容性创新视角下互联网金融商业模式及监管研究”（2014M560367）；中国博士后科学基金第8批特别资助“基于众筹模式的用户参与行为及创新效应研究”（2015T80471） |
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| 中文摘要: |
| 2P网络借贷将投资者和借款者直接相连，使借贷更加直接、便捷。通过收集人人贷网贷平台的数据，对能反映P2P网络借贷风险的有关因素进行研究。结果表明：利率对违约风险有主要的影响作用，但并不是唯一的，仍有部分风险隐藏在订单的其他相关信息中。其中每笔借款筹资成功所需的投标人数和完成时间，都是反映该借贷订单风险大小的有力指标。借款人可以通过完善个人信息来提高借款成功率，改善与风险有关的指标。 |
| 英文摘要: |
| Investors and borrowers are directly connected by P2P network credits, making loans more direct and convenient. Through the collection of the data of Renrendai, a P2P network credit platform, the related factors that can reflect the risk of P2P networks are studied. The empirical results show that the interest rate has a major but not the only impact on the risk of default, and that there are still some of the risks hidden in the other related information, in which the number of each loan financing and the completion time required for each loan are powerful indicators of the risk of the loan. The borrowers can improve the success rate of their loans by completing personal information, and improving the risk-related indicators. |
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