P2P网络借贷平台借款人信用风险影响因素研究——来自“拍拍贷”的经验依据

Influential Factors of the Borrower's Credit Risk in the P2P Network Lending Platform——The Experience Based on PPDAI

基于我国P2P网络借贷平台中"拍拍贷"网站中2014年4月至2015年8月的借款人信息数据,研究分析了借款人信用等级、投标成功次数、投标流标次数、借款总额、利率、期限、每月还款、用户年龄、性别等9个指标对P2P网络借贷平台借款人信用风险的影响。研究结果表明,借款人信用等级与借款人信用风险之间存在显著的负相关关系,借款人投标成功次数与借款人信用风险之间存在显著的正相关关系,借款人投标失败次数与借款人信用风险之间存在显著的正相关关系,借款人借款的利率与借款人信用风险之间存在显著的正相关关系,借款人的借款总额与借款人信用风险之间存在显著的正相关关系。借款人借款期限、借款人性别、借款人年龄与借款人信用风险之间不存在相关关系。研究结果既可以为防范P2P网络借贷平台信用风险提供新的思路,也可以为完善我国P2P网络借贷行业治理提供新的经验证据。

This article is based on the borrower＇ s information data from P2P network lending platform on PPDAI during April ,2014 to July, 2015, the research analyzes the relevance between the borrower＇ s user age, gender, credit rating, successful number of times, flow number of times, loan amount, interest rate, term, monthly payments, nine indexes and whether the borrower default behavior happen. The research shows that it is a sig- nificant negative correlation between the borrower＇ s credit rating and the credit risk. It is a significant positive correlation between the successful number of times and the credit risk, it is a significant positive correlation between the flow number of times and the credit risk. It is a significant positive correlation between the borrower loan interest rates and the borrower default behavior, there is a significant positive correlation between the loan amount and the credit risk. It is on relationship between the gender, age and the borrower and the eredit risk. In this paper, the results of the research, can not only provides the new ideas to the credit risk of loan in P2P network platform, but also provides empirical evidence to our P2P network industry government.