关于网络借贷市场“学历偏好”分析——来自人人贷平台的经验证据

An analysis of "academic background preference" in network loan market——Empirical evidence from the renrendai platform

为探析学历水平对网络借贷市场的影响,以人人贷网络借贷平台交易数据为经验证据,采用Probit模型,分析了学历高低对于借款成功率和借款违约率的作用大小。结果表明,借款成功率与学历高低呈正相关关系,而借款违约率与学历高低呈负相关关系。进一步研究表明,网贷借贷市场在一定程度上存在"学历偏好",即投资者更青睐大专与本科学历的人,而高中及以下、研究生及以上学历的借款人借款成功率较低。

Using the Renrendai online lending platform transaction data as empirical evidence, the Probit model is used to analyze the effect of academic level on the success rate of borrowing and the default rate of borrowing to analyze the impact of academic qualifications on the online lending market.The research results show that the success rate of borrowing is positively correlated with the level of education, while the default rate of borrowing is negatively correlated with the level of education. Further research shows that the online lending market has a certain degree of 'educational preference', that is, investors prefer college and undergraduate degrees, while borrowers with high school and below, graduate students and above have lower success rates.