| 蔡羚奕,王子敏.基于互联网金融的小微企业信贷支持研究[J].南京邮电大学学报(社会科学版）,2016,(04):60~69 |
| 基于互联网金融的小微企业信贷支持研究 |
| On the credit support for small and micro enterprises basedon Internet finance |
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| DOI： |
| 中文关键词: 互联网金融 融资 小微企业 信贷 人人贷 |
| 英文关键词:Internet finance financing small and micro enterprises credit peer to peer lending |
| 基金项目:国家社会科学基金青年项目“城市化背景下我国城乡居民信息消费研究”（14CTQ019）；江苏省社科基金专项课题“江苏协同推进城乡信息消费相关问题研究”（14SZB021） |
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| 中文摘要: |
| 互联网金融平台上小微企业信息披露与信息需求的不匹配直接影响借款成功率。以人人贷平台的交易数据为基础，构建Logistic回归模型，从借款人的基本信息披露、信用信息、历史借贷信息以及借款利率四个方面，分析信息披露与借款成功率之间的关系。结果表明，在信息不匹配的情况下，借款利率成为反映风险的指标和影响小微企业借贷成功的重要因素，因此，设置合理的借款利率，能够有效提高小微企业在互联网金融平台融资的成功率。此外，小微企业借款人完善个人申请信息可以减少信息不对称性。 |
| 英文摘要: |
| The imbalanced information disclosure of the borrowers of the small and micro enterprises and the needs of investors affects the rate of loans. This paper, based on the transaction data of the platform of peer to peer lending, constructs a Logistic regression model and gives an analysis of the link between the borrowers' information disclosure and the rate of loans in terms of borrowers basic information disclosure, credit information, historical records of borrowers and interest rates. In the case of information asymmetry, the interest rate becomes an indicator of risk and an important factor affecting the success of the loans. The borrowers of the small and micro enterprises are suggested to complete their application information to reduce the information asymmetry, and set reasonable loan interest rates, thus to effectively improve their success on the Internet finance platforms. |
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