Research On The Assessment Of Borrowers' Credit Risk In P2P Lending

P2P lending is an innovation service mode in Internet financial field,facing a great opportunities and challenges.In the trend of financial disintermediation,P2 P lending can be used to solve the small micro enterprise and individual consumer financing problems.It's conducive to promoting the development of folk finance.Because of the late start time,fast development and weak supervision,P2 P lending face a great risk.Some platforms are close down without scientific risk control model.The core risk is the borrower's risk.It affects the security of platforms directly.Therefore,the article focuses on the borrower's credit risk problems in P2 P lending.Firstly,I analyze the background and present situation of the P2 P lending industry,and summarize the development of its history.Secondly,I learn the credit risk research method through literature,and choose the empirical approach.Thirdly,I select hongling capital to do my research,using Logistic regression and other classify method.Finally,I summarize the main points combined with the regression analysis results,and put some forward suggestions for investors and platform.Thorough logistic regression analysis,we can found that CreditInfo?Rate?Term and Repayment Mode are the key indicator.Logistic regression have a accurate result and easy to explain.BP propagation and decision tree also have an accurate result.