金融科技对P2P网贷风险与信用评分的影响

The Impact of Fintech on P2P Lending Risk and Credit Scoring

随着金融科技(FinTech)的快速发展,P2P (Peer-to-Peer)网贷模式经历了显著的变革。本研究旨在探讨金融科技如何影响P2P网贷业务模式,特别是在风险评估和信用评分精准度方面的作用。通过综合分析金融科技的核心技术——包括人工智能(AI)、大数据、区块链技术——本文揭示了这些技术如何帮助金融机构提高信用评分的准确性和风险管理的效率。本文以“人人贷”为案例,利用Logistic回归模型分析了贷款人信用风险评定的影响因素,突出了金融科技在优化信用评估流程中的关键作用。结果表明,通过利用AI和大数据进行深入分析,可以更准确地识别借款人的信用风险,从而减少违约率并优化贷款决策过程。此外,本研究讨论了金融科技在提高P2P网贷监管效率和促进行业健康发展中的潜力。然而,金融科技的应用也带来了隐私保护和数据安全等挑战。文章最后建议,通过建立健全的监管框架和加强技术安全措施,可以最大化金融科技的积极影响,同时降低潜在风险。

With the rapid development of financial technology (FinTech), the P2P (Peer-to-Peer) online lending model has experienced significant changes. This study aims to explore how FinTech affects the P2P online lending business model, especially in terms of risk assessment and credit scoring accuracy. By comprehensively analyzing core fintech technologies, including artificial intelligence (AI), big data, and blockchain technology, this paper reveals how these technologies can help financial institutions improve the accuracy of credit scoring and the efficiency of risk management. Taking “Renren Loan” as a case study, the paper analyzes the influencing factors of credit risk assessment of lenders using logistic regression model, highlighting the key role of fintech in optimizing the credit assessment process. The results show that through in-depth analysis using AI and big data, the credit risk of borrowers can be identified more accurately, thus reducing the default rate and optimizing the loan decision-making process. In addition, this study discusses the potential of fintech in improving the efficiency of P2P lending regulation and promoting the healthy development of the industry. However, the application of fintech also brings challenges such as privacy protection and data security. The article concludes by suggesting that the positive impact of fintech can be maximized while reducing potential risks by establishing a robust regulatory framework and strengthening technological security measures.