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P2P网络贷款风险防范研究

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摘要 P2P网络借贷作为一种互联网与民间借贷相结合的新兴金融模式,在便捷个人信贷、拓宽个人投资方式的同时,也引发出相对较高的信用风险,如何能够对P2P网络借贷的信用风险进行有效的控制已逐渐成为影响P2P网络借贷发展的关键。本文通过调查问卷,并建立二元Logistic模型,对P2P网络借贷风险进行度量,得出P2P网络贷款违约率的平均值。最后提出了改进信用评级体系、加强贷款信用全面审查工作和提高信贷人员综合素质,避免判断失误的防控信用风险的对策及建议。
作者 陶俊杰
出处 《全国商情》 2016年第28期82-82,共1页
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