An Research On The Fact Of Inverstment Behavior Of Investors On P2P Online Lending

P2P online lending developed quickly since it entered China.in 2007, three thousand lending platform has been founded. The problem of asymmetric information has been affecting investors’ investment behavior,because of Domestic individual credit system is not perfect. Borrowing information is lending platform to describe the details of the subject of borrowing, to ease the problem of asymmetric information. In the P2 P lending platform, the borrower information is the main reference for investors to invest. How to influence the investment behavior of the investor is a question which is worth studying deeply. However, due to the complexity of the investment behavior, most of the researches are about the willingness of investors to invest.Firstly according to the P2 P online lending, the investment behavior of the investors will be divided into two aspects of investment intention and the amount of single investment. We establish the investor single investment willingness and single investment amount hypothesis model through theoretical analysis. Then, the Paipai Dai is selected as the data platform to analyze the characteristics of the pat loan, and verify the small and short term characteristics of the P2 P online lending. Finally, using the method of mathematical statistics and loan data of Paipai Dai, to verify hypothesis model of the investment intention of individual investors and a single investment amount. Research results show that the credit rating on the investment behavior of the investor has the most significant effect. The higher the credit rating of the borrower, the greater the willingness of investors to invest, the higher the amount of a single investment. While loan amount impact the amount of investment behavior is very weak.In this paper, the establishment of a single investment amount of investment behavior research enrich the breadth of its research, to provide new ideas and methods for the study of investment behavior. Finally, according to the research conclusions of this paper, recommendations to improve the P2 P network lending industry, lending platform and the borrower contribute to the steady development of P2 P network lending.