基于互联网金融的小微企业信贷支持研究

On the credit support for small and micro enterprises based on Internet finance

互联网金融平台上小微企业信息披露与信息需求的不匹配直接影响借款成功率。以人人贷平台的交易数据为基础,构建Logistic回归模型,从借款人的基本信息披露、信用信息、历史借贷信息以及借款利率四个方面,分析信息披露与借款成功率之间的关系。结果表明,在信息不匹配的情况下,借款利率成为反映风险的指标和影响小微企业借贷成功的重要因素,因此,设置合理的借款利率,能够有效提高小微企业在互联网金融平台融资的成功率。此外,小微企业借款人完善个人申请信息可以减少信息不对称性。

; The imbalanced information disclosure of the borrowers of the small and micro enterprises and the needs of investors affects the rate of loans. This paper, based on the transaction data of the platform of peer-to-peer lending, constructs a Logistic regression model and gives an analysis of the link between the borrowers^ information disclosure and the rate of loans in terms of borrowers basic information disclosure, credit information, historical records of borrowers and interest rates. In the case of information asymmetry, the interest rate becomes an indicator of risk and an important factor affecting the success of the loans. The borrowers of the small and micro enterprises are suggested to complete their application information to re-duce the information asymmetry, and set reasonable loan interest rates, thus to effectively improve their suc-cess on the Internet finance platforms.