Research On The Influencing Factors Of The Success Rate Of P2P Network Lending In My Country

P2P network lending is a kind of network-based innovative financing method.In recent years,the development and promotion speed in China is amazing.It is precisely because of the rapid advancement and development of Internet technology that the transmission of information has become unimpeded,the time of transmission has been greatly reduced,the coverage of transmission has become wider,and the cost of obtaining information has become less and less.Therefore,the advantages of P2P network lending are stronger than traditional financial lending,which can quickly raise funds for small and micro enterprises and individuals to help them tide over economic difficulties.Because the P2P network lending platform has different convenience from the traditional financial service mode,the P2P network lending platform has been increasingly sought after by more and more people,and more importantly,it has made outstanding contributions to the development of China's economy.The thesis analyzes the current development status of the P2P network lending industry first,and expounds the basic operation mode of the P2P network lending platform in China.On the basis of systematically combing related concepts and theories,the thesis conducts empirical research on the case of Renren loan company.Firstly,the thesis constructs the theoretical model of Renren loan company,and carries on the statistical analysis of the factors affecting the success rate of borrowing.Based on descriptive analysis and logistic binary regression analysis,the factors affecting the success rate of P2P network lending are analyzed.The research of the thesis shows that the loan term in the property of the borrowing target has a significant impact on the success rate of the platform loan.The credit rating of the borrower's property,age,number of successful loans,income range,education and working years have a significant impact on the success rate of the platform loan.The influence of the borrower's gender and marital factors is not obvious.Since P2P network lending is an emerging lending model.there are still many shortcomings.At the end of the article,several suggestions are proposed from the perspective of borrowers,platforms and industries.I hope these proposals can help small and micro enterprises and individuals in China.Successfully raised funds and can drive the rapid development of China's economy.