文章基本信息

标题：A Research on the Influence Factors of P2P Lending Market
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作者：Xiaoni Wen ; Zhenqi Zhang ; Xiaojuan Wu 等
期刊名称：Advances in Economics and Business
印刷版ISSN：2331-5059
电子版ISSN：2331-5075
出版年度：2017
卷号：5
期号：1
页码：11-17
DOI：10.13189/aeb.2017.050102
语种：English
出版社：Horizon Research Publishing
摘要：The credit platform of P2P network is a new type of lending model which based on Internet technology. It is the inevitable product in the rapid development of science, technology and social economy. It makes the current credit model more diversity and comprehensive, which plays a pivotal role in China's economic development. This paper introduces the mode and characteristics of P2P network lending, as well as the main development of P2P network lending at home and abroad. In this paper, we take the largest P2P network lending website PPDai as an example, using binary logistic regression model to establish a network lending model, researching the factors that affect the success rate of the loan, and carry on the Monte Carlo simulation, to find that credit is an important factor to guarantee the success of P2P transactions. During the period of marketization, compared to traditional finance, P2P network lending model not only has mode innovation but also need to make full use of its advantages of big data, for effective credit and risk assessment. Making outstanding contributions in order to the credit system construction and lending services.
关键词：P2P Network Lending;User Behavior;Success Rate of Loan;Credit