影响P2P网络借贷成功因素的实证分析

An Empirical Analysis of the Factors Influencing the P2P Lending Success

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。P2P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。

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 .