Personal Credit Risk Assessment Of The Peer-to-peer Lending

In recent years, with the rapid development of Internet financial in the domestic, many of the Internet financial business model began to rise,through the power of network, make it be popularization and promotion quickly.contributed to the financial market competition as well as to improve the efficiency of capital allocation. The combination of Internet technology and financial business, promoted by the presence of the P2 P lending. With the rapid development,P2 P lending facing the credit risk, market risk, operation risk and policy risk and other risks. Credit risk is the most important risk faced by P2 P lending, and most of the P2 P network platform for the present has not yet set up their own credit risk evaluation model. This will directly threatens the safety and survival of the P2 P network platform.This paper first analyzes the causes of credit risk in P2 P network. Secondly analyzes the personal credit evaluation methods. Through comparison, Logistics regression model is more suitable for the loan credit risk measure of P2 P network.Finally, According to the actual data for empirical research.The data set is divided into the training sample set and test sample set. Through the training sample, gender, age, assets, identity information, credit card, cash card spending amount, credit card spending amount income amount, loan payments on time, and the mail number are associated to the customer defaults. In addition, through the classification and the ROC curve verify the accuracy of the model reached 70%.