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基于logit模型的P2P公司的个人信贷风险评估 被引量:3

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摘要 以违约的概率作为信用评估风险衡量标准,构建P2P机构的借款人信贷风险的logit模型,并对模型进行实证分析。结果表明,贷款金额,贷款期限,已还金额比,近期还款额这四个指标对借款人信贷违约风险的影响最为明显。通过进一步验证,证明借款人信贷风险的logit模型在对P2P机构的借款者信贷评估上具有较高的准确性,可以作为P2P企业内部风险控制的根据。
出处 《新经济》 2016年第20期50-51,共2页 New Economy
基金 上海金融学院推荐2015度年上海市大学生创新活动计划
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