The Credit Risk Of The Borrower's In P2P Network Lending Based On Logistic Regression Model By The Case Of Renrendai

In recently years,P2 P network lending,as a great innovation in micro finance,is booming all around the world.According to statistics,by the end of 2015,China network lending platform at 2595,increase of 1020 than that of 2014;network lending volume reached 982.304 billion yuan.P2 P network lending brings convenience and new lending growth is remarkable.But unavoidable problem is that internet financial management is not perfect and there is lack of management.P2 P network lending platform on the credit risk of the borrower's audit mainly depends on the risk control of the judgment,which has a great deal of arbitrariness and subjectivity and cannot meet the requirement of investors to fund security.Therefore,evaluating the credit risk of the borrower reasonably and establishing borrowers ' credit risk credit risk assessment methods are around the corner.Based on above,first,this article analyses typical of P2 P network lending platform operation mode and the cause of credit risk of borrowers.Second,this article compares the typical personal credit risk assessment methods to choose Logistic model for borrowers ' credit risk assessment.Third,carry out empirical research by the case of Renrendai,which is combined with the method of information gain and Logistic.At last testing the goodness fit by Hosmer-Lemeshow.Starting with the borrowers' personal information,this article establishes borrower's credit risk assessment methods which is combined the method of information gain.With a view to improving the accuracy of a borrower's credit risk identification,reducing investor losses.