财经理论与实践Issue(1)：2-6,5.
我国 P2P 网络借贷信用风险影响因素研究基于排序选择模型的实证分析
On the Influence Factors of Credit Risk of Online P2P Lending in China:Based on an Empirical Analysis by the Ranking Selection Model
摘要
Abstract
Online P2P (peer-to-peer)lending,is microfinance transactions by people lending to each other,with the aid of online platforms of electronic business.As a new financial model of folk loan business conducted with the Internet technology,it has a higher credit risk.This paper uses the ranking selection model to analyze the influencing factors of the credit risk of online lend-ing based on data from some P2P sites extracted by excel VBA Data Mining,and the results showed that:personal characteristics,credit variables,historical performance,loan information each had a marked positive influence on the credit risk of online lending.We found that the infor-mation provided by websites for investors to avoid credit risk did not play a substantive role.关键词
P2P 网络借贷/信用风险/互联网金融/排序选择模型Key words
Online P2P lending/Credit risk/Internet finance/Ranking selection model分类
管理科学引用本文复制引用
肖曼君,欧缘媛,李颖..我国 P2P 网络借贷信用风险影响因素研究基于排序选择模型的实证分析[J].财经理论与实践,2015,(1):2-6,5.基金项目
湖南省哲学社会科学基金项目(12YBA071) （12YBA071）
