Research On Credit Risk Evaluation Index System Of P2p Network Borrowing Platform

In 2007,P2P network borrowed from abroad to China,then the domestic P2P network lending platform has been booming.Since 2013,P2P network lending platform,a substantial increase in the number of 2016 in the first half of the industry began to increase gradually saturation,with the policy environment continues to regulate the increasingly fierce market competition.Many P2P credit risk is also really worrying.China Internet Finance to wear new research institute vice president Deng Jianpeng also openly said that at this stage the main risk of Internet finance is the credit risk.In this context,through the study of a large number of P2P network lending industry,industry reports and literature cases,compared with the traditional financial industry lending system,and analysis of the current P2P network lending platform,the status of credit risk management,found that most of the current P2P network lending Platform,there are pre-loan review standards are not good and bad,the platform borrower's credit rating system is imperfect,post-loan management response mechanism and other issues.Therefore,this article chooses the industry recognized credit management system is more transparent,strict human loan platform as a research object.Combined with the relevant theories needed by credit risk management,this paper explores the empirical analysis of the current credit risk control system of all loans,and finally draws a set of comprehensive credit risk index evaluation system for other P2P platform learning.The article captures more than 6,000 data from July 2016 as samples.The variables were dimensioned by the optimal scale analysis,the variables were screened by the influence degree,and then the regression analysis was carried out by combining the optimal scale regression.Using the beta coefficients to help construct the credit risk index evaluation system,using the conversion quantization coefficient as the index standard.Empirical results found that such as age,gender,education and other basic information in the management of credit risk play a relatively limited role in the process should pay more attention to the borrower repayment capacity and repayment wishes and other indicators,but also pay attention to hard combination of information and soft information.Finally,combined with the existing problems of credit risk management and the results of empirical research,the proposed P2P platform needs to enrich the credit risk evaluation dimension,improve the credit risk index evaluation criteria,identify and perfect the platform credit rating model,increase the information dimension optimization P2P Industry,the application of large data,the accumulation of quality borrowers to improve post-loan management and other related measures to improve the credit risk index evaluation system.