网络借贷中借款人借贷经历对其借款成功率的影响

Influence of Borrowing Experience of Borrower on Its Borrowing Success Rate in the Network Borrowing

网络借贷中借款人的参与经历,可能会对其借款成功率产生一定的影响。以“人人贷”平台中的交易数据作为研究对象,采用多元回归方法分析检验了借款人的借款经历及投资经历对其借款成功率的影响。结果表明:借款人在平台中的投资记录会降低其借款成功率;借款人此前成功的借款经历能够提高其借款成功率,而失败的借款经历会降低其借款成功率;借款人的逾期还款记录会降低其借款成功率。这些发现有助于深入了解网络借贷平台中的投资者决策行为,并且对完善平台的信息披露机制有一定的指导意义。

The participation experience of borrower in network borrowing may influence the borrowing success rate certainly.The multiple regression method is adopted to analyze and inspect the impact of the borrowing experience and investment experience of borrower on its borrowing success rate with the transaction data in"Renrendai"platform as the research subject.The results show that:The investment record of borrower in the platform would reduce its borrowing success rate;The successful borrowing experience of the borrower previously could improve its borrowing success rate,while the failing borrowing experience would reduce its borrowing success rate;The overdue payment record of borrower would reduce its borrowing success rate.These findings would contribute to deeply knowing the investor's decision behavior at the network borrowing platform,and have certain guiding significance to the improvement of the information disclosure mechanism on platform.