P2P网络借贷中借款用途对投资偏好的影响

Impact of Loan Purpose on Investment Preference in P2P Network Loan

利用人人贷平台数据,通过Probit和OLS分析,对借款用途不同而形成的投资偏好问题进行研究。通过将借款用途分为消费借款和投资借款两类,从借贷双方的视角研究,结果显示:在同等条件下,投资者更加愿意选择消费借款,表现为消费借款成功率高于投资借款;设定利率时,在同等条件下,消费借款利率低于投资借款。同时研究发现,其他因素如信用等级、借款额度、学历水平、收入水平等对投资偏好也存在影响。

Based on the data from RenRenDai platform,the investment preference caused by different purposes of loan is studied through Probit and OLS analysis. By dividing the purpose of loan into consumption loan and investment loan,the results show that: under the same condition,the investors are more willing to choose consumption loan,which shows that the success rate of consumption loan is higher than that of investment loan;when interest rate is set,under the same condition,the interest rate of consumption loan is lower than that of investment loan. At the same time,the study have found that other factors such as credit rating,loan amount,education level and income level also have an impact on investment preference.