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我国P2P网络融资成本影响因素分析

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摘要 经济新常态下,融资难、融资贵仍然是大多数小微企业、个体工商户和农户面临的主要难题。本文将影响借款人融资成本的潜在因素分为标的特征、信用特征和个人特征等三大类共14个变量指标,通过三个模型进行实证分析,结果发现:借款额度、期限、用途、信用等级、逾期次数、月收入和固定资产对借款人融资成本存在显著影响。
作者 董恺
出处 《合作经济与科技》 2016年第17期66-68,共3页 Co-Operative Economy & Science
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