Investigation On The Management And Control Of The Borrowers' Credit Risk In Ren Ren Dai

P2P network lending is a professional network platform with the aid of electronic commerce, by lending to each other between individual and personal microfinance transactions. The appearance of network lending has solved the loan problem of the vast small or medium-sized enterprises and the general public, and embodied the concept of inclusive finance. The appearance of P2 P is for those routes and its development is also rather rapid in recent years. However, many risks, such as,the borrower defaulted risk, platform turn money to run road risk, lax supervision risk etc., exist in the operation of current P2 P platforms, which have happened from time to time. Therefore, the control of risks is the key to the development of P2 P platforms.Risk control determines the survival and development of P2 P industry, and influence the stability and development of the capital market.This thesis has analyzed the factors of affecting the borrowers' credit risk, which used multiple binary classification variables Logistic regression model based on excel VBA data mining technology, wrote a macro program, fixed pull data from the web,and grabbed the borrowers' information data from the web site of the leading P2 P industry of the Ren Ren Dai company. The results have showed that the borrowers' credit rating, the successful times of borrowings, failure times, interest rate and loan time limit are the main factors influencing the borrowers' credit risk, not the age,education,marriage. Through regression model analysis, we not only can analyze on its structural and the variables control, but also the variables prediction, which could provide a rational judgment for one given borrower whether there is credit risk.Based on this, some countermeasures have been proposed to optimize the borrowers' credit risk control of the Ren Ren Dai company, which are supposed to improve the borrowers' credit risk management and control system of the Ren Ren Dai company,and to reduce the happening of the risk.Finally, full text summary and work outlook have made. In order to better prevent the borrowers' credit risk of P2 P network lending industry in our country, we need study continually.