| Small micro enterprise is indispensable in some areas such as improving people's livelihood, creating jobs, and the number of it continues rising, demand for loans increases constantly. But since the management of small business is not standard and lacks of effective mortgage and guarantee, the data is not transparent, and lacks of competitiveness, it is difficult to get preferential loans from the bank, the financing difficulties happened from time to time. Financial repression and small micro enterprise's own development prompt it from the financial perspective to the Internet finance.Online P2 P Lending Platform is the combination of P2 P borrowing and lending to the Internet, and also a new and small scale of the financial services platform. In the process of internet lending, data authentication and fund settlement, contract signing, delivery procedures and such processes were finished through the Internet, it formed a kind of innovative financial service with the development of network technology and rise of private credit. It is also the direction of future development of financial services.Compared with traditional credit transactions, P2 P network lending has lots of advantages like small amount of loans, transaction on the Internet, simplicity of loan procedures and low threshold. It is helpful to eliminate the discrimination from traditional financial institutions to small micro financial enterprise and reduce the cost of credit to provide a new financing channels. However, P2 P platform faces the plight of low success rate of borrowing.Basing on the real transaction data of Renrendai platform and using the research thoughts of scholars at home and abroad for reference, applying descriptive statistics and the method of Logistic regression model, we can research on the influencing factors of the investors' borrowing will of P2 P Internet lending;It is beneficial to improve the success rate of internet lending, and make it better to finance for small micro enterprise. This article draws a conclusion that the borrowers who reimbursement in good condition, no overdue, data authentication in detail are more likely to get the bid; the borrowers who have steady income and are highly educated are more likely to get the bid; lending targets have weak influence in investing or not. To this, this paper puts forward the following suggestions:P2P platform should develop its function in information supply of lending transaction, and matching to provide good communication channels for borrowing and lending and also to build offline field platform and improve the ability of information audit; Improve the late or bad debts collection and constraint mechanism. Investors should be rational to choose P2 P platform, and reasonable to choose investment targets and investing it in small amount, diversification, and the most important is to improve risk awareness, keep the steady investment strategy. The borrowers should upload the detailed personal information. And the borrowers who has been successful in financing on the platform should refund in accordance with the fixed date. They should be not allowed to overdue or bad debts to maintain good personal trading records. Government should perfect the construction of personal credit, and improve the laws and regulations of P2 P industry, and to perform its supervision and management functions. |
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