Borrowers' Default Risk Measurement Based On P2P Network Lending Platform

P2P(Peer to Peer)network lending is based on the Internet platform as a tool to achieve a new type of lending between individuals and individuals to borrow.This paper firstly reviews and summarizes the development of P2 P industry at home and abroad,and analyzes the current situation of P2 P industry in China.P2 P network lending,as a part of inclusive finance,fills in the gap between private individuals and small and micro enterprises in the network lending market.However,due to the lack of rules and regulations in the industry,the lack of legal supervision and the lack of credit reference system,P2 P lending The status quo and development direction has been controversial.In recent years,P2 P network lending platform closed down,running and other phenomena continue to make investors become more cautious investment attitude,the public's trust in P2 P declined.In order to reduce the operational risk of P2 P online lending platform and promote the orderly development of P2 P industry,this article sets up an indicator system of default risk for borrowers from the perspective of lending platform,and measures the risk and puts forward its own suggestions.In this paper,we take the “Renren Dai” as the case study,and use the information gain method and the logistic regression method to combine the quantitative research methods to study,The main contents are as follows: Firstly,the development of P2 P industry at home and abroad;Secondly,From the perspective of P2 P platform,combined with the actual situation of several major P2 P platforms in China,we construct a complete loan from five aspects: borrowing loan information,basic characteristic information of borrower,basic financial information of borrower,historical borrowing information of borrower and authentication information Human default risk index system.Thirdly,taking the loan of mankind as the research object,this paper constructs a model to measure the default risk of the borrower.In terms of the practical application of the model,the model continues to be validated by continuously updating the model's basic data.The measured values are grouped and matched with different borrowings the amount of flexibility to use the measured results to achieve the purpose of risk control.Finally,it puts forward some suggestions to strengthen the healthy development of P2 P industry in our country from three aspects: strengthening the control of the platform itself on the default risk of the borrower,strengthening the industry control over the default risk of the borrower and improving the regulatory policy,and make recommendations for the stakeholders of P2 P online lending platform Decision-making for reference.