Factors Of P2P Network Lending Of China To Be Analysed

In recent years, along with the continuous development of the Internet finance,P2 P network lending showing polarization trends.On the one hand P2 P network lending at home and abroad faces an opportunity to usher in a new development; the other hand, China is in the crucial period of economic transition, it will increase the financial pressure and market risks.In this case, P2 P network provide a favorable supplement to China’s financial system to.Therefore, how to guide the development of P2 P networks loans from micro perspective to meet the growing demand for personal consumer lending business and the public finances have important practical significance.The impact of P2 P lending network factors are: financial factors, demographic factors, social capital and other factors, the impact of various factors on the P2 P network lending practices vary.Overall P2 P networks is short-term borrowing, a small amount of capital needs frequent and higher interest rates; lower salaried borrowers educated young male dominated;In the lending products, standard and unconventional accounting more.Situation of P2 P networks based on these loans, the use of principal component regression model to analysis P2 P network lending practices depth.In previous existing theories based on randomly selected domestic larger scale P2 P network lending platform Paipai Dai orders as samples.Select from financial factors, demographic factors, social capital three side of 13 major variable index, based on the current situation and the development of P2 P network lending increased safety standard of non-withdrawal, the trial was wrong to lose two standard indicators of other factors.By PCA principal component analysis, gravel analysis and KMO, SMC main component test method 15 indicators divided into seven principal components, principal component regression. To arrive at financial factors,demographic factors, social capital and other factors of influence are P2 P networks borrowers in loan lenders will.Given the impact of various factors drawn from the analysis of P2 P network lending practices from the reality of P2 P network lending departure, proposed to improve their quality by borrowers, lenders pay attention to their legitimate interests,P2 P network lending platform improve its management three micro level proposals to promote our P2 P network lending better and faster development.