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
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.
