CAJ | 학술논문

利用人人贷网络借贷的交易数据，采用二元Logit回归模型，研究影响网络借贷成功的因素。研究结果表明：借款金额、借款者信用等级、历史借款失败次数与投标能否完成呈负相关关系，借款期限、借款利率、借款者性别、年龄、工资状况以及身份审核项目数对投标能否完成有正向影响。P2 P网络借贷是我国互联网金融发展的创新模式，通过对影响借贷成功因素的研究，能更好的帮助小微企业和个人成功融资，促使P2P网络借贷更加合理健康的运营。
이용인인대망락차대적교역수거，채용이원Logit회귀모형，연구영향망락차대성공적인소。연구결과표명：차관금액、차관자신용등급、역사차관실패차수여투표능부완성정부상관관계，차관기한、차관리솔、차관자성별、년령、공자상황이급신빈심핵항목수대투표능부완성유정향영향。P2 P망락차대시아국호련망금융발전적창신모식，통과대영향차대성공인소적연구，능경호적방조소미기업화개인성공융자，촉사P2P망락차대경가합리건강적운영。
Using transaction data collected from Renrendai Online Lending ,this article employs a binary logit regression model which researches on influencing factors on borrowing success . The results illustrate that borrowing amount ,borrower credit and history of borrowing failure time have negative effect on it ,while borrowing duration ,interest rate ,gender ,age ,wage and identity audit project number have positive impacts on it .P2P online lending is an innovation model of the development of internet finance in our country . T he research of the factors influencing the borrowing success , can better help micro‐enterprise and personal obtain financing ,w hich is also beneficial for promoting P2P online lending to be operated in a more reasonabe and healthy way .