| P2P network lending is an innovative kind of financial model,which is based on the internet.P2P lending has developed rapidly especially in these years,nearly four thousand of different lending platforms have been founded.Due to the continuous development of Internet technology,which greatly enhance the speed of information dissemination and scope,and accordingly reduce the cost of access to information.This makes the network lending won the advantages which traditional formal financial can`t available.In addition P2P network lending can provide a more convenient financing platform for individuals and Small micro-enterprise,so that they get rid of the difficulties of lack of capital.It is because of its convenient features,the P2P network lending platform is more and more people to accept,and also to fill the gaps in the formal financial system in china.In this paper,P2P network lending as the research object,analyzes the current status quo of P2P network lending development,summarizes the main operation mode of current P2P network lending platform in China.At same time according to the real transaction data using P2P lending platform,Using statistical analysis,descriptive analysis and a binary logit regression analysis of P2P network lending success factors,The experimental results show that The borrower's marital status,gender and tender annual interest rate with lending success rate is no significant relations;The total target and the borrower overdue times with lending success rate was negatively correlated;Long repayment period,the borrower's age,long working life,high income,to the success of the loan more often,high credit rating and after the addition of the guarantee structure and field authentication mechanism can on borrowing the success rate is a positive correlation between.Finally,in order to improve respectively the development of P2P network lending industry,puts forward several suggestions on policy and industry. |
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