我国P2P网络信贷风险控制实证分析

An Empirical Analysis of P2P Network Credit Risk Control in China

本文以"陆金所"交易平台用户为例,分析我国P2P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。

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.