Based On The P2P Online Lending Platform, The Success Rate Of Borrowing And The Factors Affecting The Overdue Rate Of Repayment Are Studied

With the rise of the Internet finance,P2 P lending as a money lending service which combine with the Internet technology form a new type of financial services.Fill in the Microfinance market which traditional Banks and other financial institutions not covered.Resulted the changes of our country's financial market pattern.The model can absorb social idle funds in the public,and borrow the money to people with demand.Make the idle fund for a new optimal allocation.P2 P lending appeared in 2005,then had a welcome development in the United States,Germany and other developed countries.Then with the deepening development of economic globalization,P2 P also quickly spread around the globe.After years of growth,P2 P has the fixed user groups,and solves the borrowers' financing problems.The investors of P2 P earn higher returns.Since 2007,the first P2 P network platform Paipai Dai set up,the later seven years the P2 P industry showed the vigorous vitality?The turnover doubled year by year.There are more and more users.Operating mechanism construction of the platform became more and more perfect.These prove the affirmation of the society for P2 P.But there are some disadvantages in the growth of P2 P which are hard to avoid.How to solve these disadvantages related to the future of P2 P.So the field attracts the attention of the scholars at home and abroad widely.Led to a high research enthusiasm.Based on the explore in the related field by the scholars at home and abroad,use the real transaction data to construct a P2 P lending binary Logistic regression and bayesian network model.Has carried on the empirical research about P2 P users borrowing.The influence the borrowing rate is obtained and the influencing factors of borrowers repayment is overdue ?The main research content is as follows.First tells the present situation and development trend ofP2 P industry as a whole.Have a simple introduction about the different development model exist at present stage.Then give a introduction into full play on Renren Dai,including the operationform and the basic characteristics of the user.Third have a simple description of statistical analysis for all the variable.,so we can have a deeper understanding in an all-round way of the characteristics of the user.Following are the empirical researches.The first part of the empirical research is mainly based on the transaction data of Renren Dai.Included the influence factors of the success of the user's borrowing into the model.The lending rate,the life of loan,the education background and income have a great influence on the results of lending.Borrowers can change the factors of loan interest rate,loan term which are most significantly important factors influencing investors whether to invest?Borrowers can use model in this paper to fixed the two variables,in order to improve the success rate of borrowing.The second part of empirical study mainly adopts the bayesian network model.To find out the influence factors of effect overdue payment.Understand the characteristics of borrowers and borrowing variables impact on whether the overdue payments.And on the basis of understanding the order of importance of borrower characteristics,standing in the perspective of investors,put forward feasible Suggestions for investors on the platform bidding.The last part,Put forward the proposal for the investors,the borrowers,the P2 P platform and the regulatory authorities.