Research On Influencing Factors Of Full-scale Efficiency Of Online Credit Projects Based On Survival Analysis

With the rapid rise of the Internet,people have integrated the fund lending service with Internet technology to form a new P2 P lending model.It has also brought about tremendous changes in the pattern of China's financial market.On the one hand,this model can gather idle funds in the society and integrate the funds to lend to those in need.On the other hand,although the original intention of online lending is good,the lack of supervision will cause distortions in the operation process,which will seriously affect the development of our online lending industry.The full mark is the beginning of the transaction,and the faster the full mark speed,the higher the trust of the three parties.Studying the factors affecting the efficiency of the standard can enhance the trust of the three parties,promote the healthy development of the online loan industry,and ensure the smooth progress of the loan.Firstly,from the theoretical level,we analyze the factors affecting the efficiency of online loan projects,and select thirty-three factor indicators from the four levels of borrowers,platforms,investors,society and government,and then make assumptions about the factors affecting the efficiency of full scale.The time is linked to the time of survival.The actual transaction data of six thousand online loan projects is the research object.Establish the online loan industry life table and stratified life table,and analyze the trend of the full efficiency of the online loan industry from the perspective of overall and layered.Finally,the risk regression model was established to find out the factors affecting the efficiency of the full scale.The research results show that the borrowing period,the borrower's interest rate,age,income,education,presence or absence,whether the borrower has a third-party guarantee,whether to issue the bid on time,and the number of investors who are willing to contribute to the middle and high positions,the platform turnover The index,platform popularity index,compliance,transparency,brand,dispersion,and platform rankings have no change.Under the zero point zero five confidence level,the significant P value of these factors is less than zero point zero five,which significantly affects the full scale efficiency.The platform gives the investor return on investment,the risk level of the online loan program given by the platform,the marital status,the number of defaults of the borrower,the number of investors who are willing to contribute low-level,whether the platform has negative news,and whether the government has new policies.The implementation has a significant negative impact on full scale efficiency.There is no significant difference in gender.Finally,starting from these factors,from the perspectives of platforms,borrowers,investors,and government social supervision departments,it provides severalsuggestions for improving the efficiency of full scale and provides several measures for promoting the healthy development of the online loan industry.