P2P逾期债权贬值影响因素研究——基于拍拍贷平台的实证分析

Research on Factors Influencing the Depreciation of Overdue P2P Creditor’s Rights——Based on the Empirical Analysis of Paipaidai Platform

在传统的P2P借贷模式下,投资人将资金借出后,整个借款周期中处于相对被动的处境,资金的收回与否完全取决于借款人能否按时还款。债权转让这一新模式的出现,赋予了投资人在贷款周期中转让债权的权利,使投资人有机会提前收回资金,从而大大提高了投资人的灵活性与主动性。转让的债权从时间上又可分为逾期债权和未逾期债权,本文借鉴传统金融行业中不良资产评估的方法,以拍拍贷平台为例,研究在债权转让这一模式下,影响P2P逾期债权贬值的因素,再从平台和投资人两个方面分别给出建议。

In the traditional P2P lending model,investors are in a passive position in the whole borrowing cycle after lending money.Whether the borrower can repay the money on time or overdue depends entirely on whether the borrower can repay the money on time.However,with the emergence of the new model of debt transfer,investors have the right to transfer the debt in the loan cycle and have the opportunity to recover the money in advance,which greatly improves the flexibility and initiative of investors.The transfer of the creditor’s rights can be divided into the overdue loans on time and not overdue loans.Learn from the methods of assessing non-performing assets in the traditional financial industry,this article uses Paidaidai platform as an example to study the factors that affect the depreciation of P2P overdue claims under the mode of transferring claims,and suggestions are given from two aspects of platform and investor.