摘要
本文构建微型企业互联网融资影响因素模型,并以P2P网络融资平台"拍拍贷"、"红岭创投"、"808信贷"、"合力贷"等的实际交易数据进行实证研究,结果发现借款利率和信任度对借款进展率有非线性正向影响,借款进展率越高则不呈现显著影响;借款金额和借款期限对借款进展率有非线性负向影响。
This paper established the model of influencing factors for micro enterprise internet financing,and based on the the actual transaction data form P2 P network financing plat,the results found that the loan interest rate and trust has nonlinear positive effect on borrowing rate,and the higher the rate of progress,the loan is not significantly affected;loan amount,loan period can exhibit a nonlinear negative effect on loan rates of Micro Enterprises.
出处
《财会通讯（中）》
北大核心
2015年第12期22-25,129,共4页
Communication of Finance and Accounting
基金
教育部人文社科基金青年项目"面向商务智能的商业银行移动商务消费者信息挖掘与应用研究"(项目编号:11YJCZH005)阶段性研究成果
