国内P2P网络借贷平台借款人特征比较分析——以人人贷和向上360为例

A comparative analysis of the characteristics of borrowers in China's P2P network lending platform:Case study of Renrendai and Xiangshang 360

P2P近年来呈现出爆炸性增长的发展态势。我国对P2P网贷的研究起步较晚,大多阐述P2P网贷运营模式、风险及对策建议。文章收集了国内人人贷和向上360网络贷款平台的交易数据,对网贷平台借款人的特征进行比较,并分析其中存在的各种歧视现象,从而为借款者、P2P网贷平台等提供借鉴意义。研究发现:P2P网贷借款人主要为中青年人;P2P网贷平台通常偏好向三类人批复相对较高的授信额度:有房产或车产的人、年龄稍长的人、高收入者。此外,学历对借款成功率也有一定程度的影响,且不同模式的平台受各因素的影响程度不同,信用贷款比抵押贷款更看重学历、年龄等更多信息。

P2 Phas shown a trend of explosive growth in recent years.The research on P2 Pnetwork loans started late in China, most of them describe P2 P network loan operation mode,risk and countermeasure suggestions.In this paper,the transaction data of the Renrendai and Xiangshang360 were collected to compare the characteristics of the borrowers under the different P2 Pnetwork loan platforms and analyze various discrimination phenomena so as to provide reference for borrowers and P2 Ploan platforms.It is found that borrowers of P2 P network loan platforms are mainly young people.P2 P network loan platform usually prefers to the following people.The first group of people with slightly old age has house property or car production;the second category is the older people,and the third category is the high-income borrowers.In addition,education has an impact on the success rate of borrowing,and different modes of platforms are affected by various factors.Credit loan pays more attention to education,age and more information than mortgage loan.