P2P网贷平台的收益及风险对投资人的选择影响——以“金银猫”网贷平台为例

On Impact of Loan Returns and Risk of P2P Network Platform on the Choice of Investors

互联网金融依托其成本低、效率高、覆盖广和发展快的特点,已然成为当下中国金融行业不可压倒的一个趋势,相应地,P2P网贷、第三方支付、大数据金融等互联网金融理财产品也成为当下投资者炙手可热的投资选择,试以"金银猫"网贷平台为例,采用计量的方法定量分析网贷平台收益和风险以及成交量的相互关系,并由此分析投资人在面临收益和风险时的选择偏好问题,最后对如何降低P2P网贷平台的发展以促进其发展给出相应的建议。

Internet financial platform, characterized by its low cost and high efficiency, wide coverage and the fast development, has been a trend of China＇s financial sector. The P2P network loan , the third - party payment, loan data such as financial investors Internet financial products has become the hot investment option, taking the gold and silver cat net credit platform as an example, the paper takes the quantitative analysis of the net returns and risk of credit platform, and the relationship of the volume, and it analyzes the investors when facing gains and risk preference problems. How to reduce the P2P network loan platform in order to promote its development is discussed in this paper.