| Risk with the continuous development of the Internet financial,the Internet is mo re and more get the attention of regulators and investors,the P2P lending as borrowers or network platform itself appear in the process of the ill effects of the credit risk and to the whole market is to be reckoned with,especially in such an emerging financial m arket in China,the social credit is generally poor,regulatory system is not perfect,the c onsequences of the credit risk will be more serious,so to strengthen the supervision of the Internet financial and measurement is particularly important,as one of the most ma in risk of lending to the P2P network,strengthen the credit risk of supervision and me asurement for Internet financial as well as the financial industry has important signific ance.First in this paper,through a large number of literatures and information,more det ailed introduces the current situation of the development of the Internet network and P 2P network loans in China and facing some problems,especially for the current develo pment status of P2P loans and in the face of the credit risk has spent much of the intro duction and analysis;Second systematic introduces the international mainstream about credit risk measure method,and compare the classical method,and the characteristic of modern credit risk assessment method and using;Then all loans for example analyze s the P2P network are the main factors causing the loan credit risk as well as the influe nce degree,through the selection of indicators and data,build the Logistic regression m odel of P2P loans in our country,the main influence factors and borrowers default stat us in has carried on the quantitative relationship between the number of specific and d etailed two expressions are given,and on the basis of the test sample to further validat the model the actual application value;According to the research conclusion of this pa per,targeted put forward its own views and Suggestions.Peer-to-peer(P2P)as at present in our country an important contents of financial innovation,financial market of our country has a very important influence,not only giv e me the traditional financial market brings a fresh blood.pushing towards a more com prehensive and healthy development of financial market in China,at the same time als o makes the degree of financial market in line with international standards in our coun try is more profound,and give the small loan provides a new way for a long time,but also exists some shortage at the same time,the higher credit risk is an important perfor mance,so to increase supervision of the credit risk is to promote the P2P network loan business continue to rapid development of our country’s important content and the req uest inevitably. |
