基于文本分析的网络借贷评论研究——来自水木社区的数据

Textual Analysis of Reviews on P2P Online Lending:Data from Shuimu Community

P2P网络借贷是数字经济时代下移动金融创新的突出体现,在社交网络平台上引发了投资者的广泛关注与讨论。通过研究社交网络平台上有关网络借贷的评论,可以识别投资者对网贷平台的主要关注点和话题。这对网贷投资者、平台的发展和监管具有重要的参考价值。论文收集水木清华社区互联网理财版块上网贷投资者的评论内容作为文本数据,利用Python与ROST CM6,通过文本数据可视化和高频特征词分析,研究文本数据隐含的经济信息。研究发现,评论主要关注资金实力和风险控制能力较强的平台;有关网络借贷的主要关注话题包括网贷平台的风险性、收益性、用户体验感和新手求助。实证研究的结果对加强网络平台的自身建设和监管以及投资者进行决策具有重要意义。

P2P online lending is a prominent manifestation of mobile financial innovation in the era of digital economy,which has aroused widespread concern and discussion among investors on the social networking platform.By studying the comments about P2P online lending on social networking platforms,we can identify the main concerns and topics of investors on the lending platforms.This has important reference value for the development and supervision of P2P online investors and platforms.This paper collects the investors’comments on the Internet financial section of Shuimu Community as text data,by using Python and ROST CM6,through text data visualization and high-frequency feature word analysis,to study the implied economic information of the text data.It is found that the comments mainly focus on the platforms which have strong financial strength and risk control ability,and that the main concerns about P2P online lending platforms include the risk,profitability,user experience and novice help.The empirical results are of great significance to strengthen the self-construction and supervision of the P2P online platforms and the decision-making of the investors.