Research On The Prevention And Control Of Credit Risk Of P2P Borrowers

In recent years,with the gradual maturity of technology such as mobile network,cloud computing and big data,Internet finance has ushered in a golden period of development,and has played a great role in deepening financial reform,promoting financial innovation,making up for the shortcomings of traditional finance,improving the quality of financial services,and building a multi-level financial system.As one of the forms of Internet financial business,the P2 P network lending industry is gradually moving from barbaric growth to compliance legalization.Although the P2 P network lending platform has only been in existence for more than ten years,the P2 P network lending industry mainly relies on the lending business,and the industry credit system is not perfect,and the platform risk prevention and management mechanism is not perfect,which makes the borrower's credit risk have a very important impact on the development of P2 P network lending platform and even the whole industry,so it is very important to study the prevention and control of the credit risk of P2 P borrowers.From the point of view of credit risk of borrowers in P2 P network lending,this paper analyses and summarizes the current situation of the development of P2 P network lending platform and the measurement methods of credit risk assessment of borrowers in P2 P network lending.With the combination of qualitative and quantitative methods,using the J platform loan data obtained during the internship of Internet Finance Association in T province(city),this paper makes statistics on the characteristics of default sample data of J platform.Through principal component analysis and logistic regression model analysis,this paper determines the weight of factors affecting the credit risk of borrowers in P2 P network and evaluates them.Based on this,it puts forward corresponding countermeasures and suggestions for prevention and control.