商业研究
商業研究
상업연구
Commercial Research
2015年
10期
64-72
,共9页
P2P%风险防控%信贷风险%陆金所
P2P%風險防控%信貸風險%陸金所
P2P%풍험방공%신대풍험%륙금소
P2P%risk control%credit risk%Lu Jinsuo
本文以 "陆金所" 交易平台用户为例, 分析我国P2 P网络信贷风险因素及其成因, 发现借款人的逾期次数、 教育水平、 网贷利率、 网贷期限, 以及提前还款次数对借款人是否逾期呈正相关; 借款用户的信用积分、 生活状况、 居住地、 收入、 成功借款次数, 以及按时还款次数与借款人是否逾期呈负相关; 有无银行逾期、 网贷额度和总投标数对是否逾期没有显著显著影响, 男性比女性发生逾期的概率大.
本文以 "陸金所" 交易平檯用戶為例, 分析我國P2 P網絡信貸風險因素及其成因, 髮現藉款人的逾期次數、 教育水平、 網貸利率、 網貸期限, 以及提前還款次數對藉款人是否逾期呈正相關; 藉款用戶的信用積分、 生活狀況、 居住地、 收入、 成功藉款次數, 以及按時還款次數與藉款人是否逾期呈負相關; 有無銀行逾期、 網貸額度和總投標數對是否逾期沒有顯著顯著影響, 男性比女性髮生逾期的概率大.
본문이 "륙금소" 교역평태용호위례, 분석아국P2 P망락신대풍험인소급기성인, 발현차관인적유기차수、 교육수평、 망대리솔、 망대기한, 이급제전환관차수대차관인시부유기정정상관; 차관용호적신용적분、 생활상황、 거주지、 수입、 성공차관차수, 이급안시환관차수여차관인시부유기정부상관; 유무은행유기、 망대액도화총투표수대시부유기몰유현저현저영향, 남성비녀성발생유기적개솔대.
This paper takes users from Lu Jinsuo Trading Platform as an example to analyze the factors and certain cau-ses of P2P network credit risk in China, finding that number of overdue, educational level, interest rate and deadline of network loan as well as number of prepayment are positively related to whether borrowers are overdue. Besides, credit score, living condition, residence, income, number of available loans as well as timing repayment are negatively related to whether borrowers are overdue. In addition, there exists no influence on the record of overdue, the limit of network loan or total number bids. As for the gender difference, males are more likely overdue than females.
