P2P(Peer to Peer)网络结构区别于Client/Server结构或Browser/Server结构最显著的特点是整个网络不依赖中心节点(或中心服务器),网络中的每一个节点(peer)都同时具有信息消费者、信息提供者和信息通讯等三方面的功能,兼容现有的各种网...P2P(Peer to Peer)网络结构区别于Client/Server结构或Browser/Server结构最显著的特点是整个网络不依赖中心节点(或中心服务器),网络中的每一个节点(peer)都同时具有信息消费者、信息提供者和信息通讯等三方面的功能,兼容现有的各种网络服务。由于P2P技术相对较低的成本和灵活的网络互通性能,在农业上有广泛的应用。随着各类数字终端、服务器资源、网络带宽等资源持续保持类摩尔定律式的增长,通过更直接的共享方式来提高沟通效率、减少资源浪费并保障信息服务安全将为社会信息化带来新一轮的发展高潮。P2P技术为服务共享、分布式计算和信息交流提供了更灵活高效的模式,凭借网络技术的新发展,农业信息化将在广大的农村和农业领域进一步推进。展开更多
P2P network lending refers to the individual through the oJfline trading platform provided by the Business Company provides small loans to other individuals. According to the sea tree Lingyi data stalistics, as of Nov...P2P network lending refers to the individual through the oJfline trading platform provided by the Business Company provides small loans to other individuals. According to the sea tree Lingyi data stalistics, as of November 2014. China has 1371 P2P network lending company, than by the end of2013 638 over more than doubled. Since 2014,The cumulative volume of the whole network lending industry is up to 431.2 billion yuan. With the increasing social awareness in the industry, the future of the number and amount of P2P network lending companies in China will continue to grow rapidly. However, at present our P2P network credit risk management issues is serious, lacking of professional risk management personnel,who audit on the borrower＇s credit mostly limited to the upload information of borrowers. Credit rating is largely dependent on the subjective judgment of the risk control personnel and audit staff, which can not meet the requirements of the transaction participants in the loan security measures.This paper to pat the loan company were empirical research, through the logistic model to find the breach the key influence factors, to construct the borrower＇s credit risk evaluation methods, and to provide the P2P network lending risk control with specific policy recommendations.展开更多
P2P lending network is person to person lending network, lnternet-based applications, individuals lending financial model to others through the network intermediary,＇ platform. Currently P2P lending network has devel...P2P lending network is person to person lending network, lnternet-based applications, individuals lending financial model to others through the network intermediary,＇ platform. Currently P2P lending network has developed rapidly, but the P2P network lending platform also are lacing increasing risks, the biggest risk is credit risk. This article from the credit rating perspective, comparative analysis of the existing credit rating methodology, Analysis to establish a relatively sound credit rating mechanisms, thus reducing credit risk.展开更多
文摘P2P(Peer to Peer)网络结构区别于Client/Server结构或Browser/Server结构最显著的特点是整个网络不依赖中心节点(或中心服务器),网络中的每一个节点(peer)都同时具有信息消费者、信息提供者和信息通讯等三方面的功能,兼容现有的各种网络服务。由于P2P技术相对较低的成本和灵活的网络互通性能,在农业上有广泛的应用。随着各类数字终端、服务器资源、网络带宽等资源持续保持类摩尔定律式的增长,通过更直接的共享方式来提高沟通效率、减少资源浪费并保障信息服务安全将为社会信息化带来新一轮的发展高潮。P2P技术为服务共享、分布式计算和信息交流提供了更灵活高效的模式,凭借网络技术的新发展,农业信息化将在广大的农村和农业领域进一步推进。
文摘P2P network lending refers to the individual through the oJfline trading platform provided by the Business Company provides small loans to other individuals. According to the sea tree Lingyi data stalistics, as of November 2014. China has 1371 P2P network lending company, than by the end of2013 638 over more than doubled. Since 2014,The cumulative volume of the whole network lending industry is up to 431.2 billion yuan. With the increasing social awareness in the industry, the future of the number and amount of P2P network lending companies in China will continue to grow rapidly. However, at present our P2P network credit risk management issues is serious, lacking of professional risk management personnel,who audit on the borrower＇s credit mostly limited to the upload information of borrowers. Credit rating is largely dependent on the subjective judgment of the risk control personnel and audit staff, which can not meet the requirements of the transaction participants in the loan security measures.This paper to pat the loan company were empirical research, through the logistic model to find the breach the key influence factors, to construct the borrower＇s credit risk evaluation methods, and to provide the P2P network lending risk control with specific policy recommendations.
文摘P2P lending network is person to person lending network, lnternet-based applications, individuals lending financial model to others through the network intermediary,＇ platform. Currently P2P lending network has developed rapidly, but the P2P network lending platform also are lacing increasing risks, the biggest risk is credit risk. This article from the credit rating perspective, comparative analysis of the existing credit rating methodology, Analysis to establish a relatively sound credit rating mechanisms, thus reducing credit risk.
