Studies On The Factors Of Peer To Peer Network Lending

P2P network lending (peer to peer network lending) is the latest practice of Internet financial innovation in China, relying on Internet technology, which is the new financial service model. It provides a financing platform to the small micro-enterprise and individuals. So that such people can have access to financial services, enable it to get rid of the predicament of lack of capital. P2P network lending to fill the gaps in the traditional financial system, as small micro-enterprise development plays a crucial role in.In this paper, P2P network lending as the research object, summarizes the main patterns of domestic and foreign P2P network lending, analyzes the status quo of China’s P2P network lending development, at the same time according to the real transaction data capture peer-to-peer lending platforms, using descriptive statistical analysis and econometric model analysis of P2P network lending success factors, the study found whether the loan amount, loan the interest rate, the borrower gender and the borrower has a car with a P2P network lending is negative related significantly, years of service with P2P network lending income and loan and borrower is married or not, the borrower’s age, the borrower is significant positive correlation between. Finally, put forward three suggestions to improve the development of P2P network lending:first, to strengthen the construction of China’s personal credit information system, credit information sharing. Second, to clarify the legal nature, determine the regulatory body. Third, give full play to the advantages of financial innovation P2P network lending for the real economy.