摘要
以我国最大的P2P网络借贷网站拍拍贷为例,采用多元线性回归模型建立网络借贷的借贷利率影响因素模型进行实证研究,结果表明:借入者的信用等级与借款金额对借款利率具有负向影响,历史流标次数对借款利率具有正向影响,是否加入优先计划、历史借贷成功次数、是否具有视频认证等与借款利率关系不显著。
In order to explore the determinants of interest rate in P2P lending market, the paper takes the largest online P2P lending marketplace in China-Palpal. com as an example, and constructs a multiple linear regression model to make an empirical research. The results reveal that the borrower＇s credit score and loan amount have a negative impact on interest rates, but the number of failed auctions has a positive impact on them.
出处
《广东商学院学报》
CSSCI
北大核心
2013年第5期34-40,共7页
Journal of Guangdong University of Business Studies
基金
湖北省人文社科重点研究基地重点课题(2012JR003)
关键词
P2P网络借贷
借贷利率
信用等级
流标次数
拍拍贷
P2P lending
interest rate
credit score
the number of failed auctions
Palpal lending
