P2P网络借贷成功率影响因素研究

An Analysis on the Influencing Factors of Successful Borrowing Rate in P2P Network Lending

以美国最大的P2P网络借贷平台Prosper为例,采用二元logistic回归模型建立网络借贷模型,研究借贷成功率的影响因素及其相对重要程度。结果表明,影响借款成功率的各因素排名为:投标总数、竞标时间、每月还款金额、借款利率、借款期限、信用评级、有无房产、加入群组、负债/收入比、借款用途、借款金额、照片认证。在研究结论的基础上,提出了P2P网贷平台借贷成功率的具体建议。

Based on the example of P2P network lending platform Prosper in America,the Binary Logistic Regression model was used to build up network lending model,so as to study the influencing factors of successful borrowing rate and to assess the relative importance of each factor.The results show that the influencing power of variables are listed in the descending order like the tender sum,the bidding time,monthly repayment amount,interest rate on borrowing,life of loan,credit rating,real asset,join-group,proportion of debt and income,borrowing purpose,borrowing balance and photo authentication.According to this conclusion,some suggestions are offered so as to improve the successful borrowing rate in P2P network lending.