P2P 网贷个人信用评价指标体系的构建OACHSSCD
The Construction of P2P Network Lending Personal Credit Evaluation Index System
为增加 P2P 网贷平台信用评价的可信性，改善因信息不对称而导致的企业信用风险问题，结合实际业务需求从表征信息、行为信息及状态信息三个方面选择个人信用评价指标变量。通过计算变量的 WOE (Weight of Evidence)、IV (Information Value)值初步观测变量对目标的显著程度，再用 SAS 软件对整体变量进行逻辑回归。以 IV 和逻辑回归相结合的方式筛选指标，遴选出22个指标作为 P2P 网贷平台信用评价体系指标…查看全部>>
In order to increase the credibility of P2P network lending platform and solve the problem of en-terprise credit risks caused by information asymmetry,personal credit evaluation index variables are se-lected in three aspects,namely,representation information,behavior information and status information combined with actual business needs.By calculating WOE and IV of variables, the significance of variables to targets in the preliminary observation is showed.T…查看全部>>
石澄贤;陈雪交
常州大学数理学院常州大学数理学院
经济学
P2P 网贷平台个人信用评价指标体系逻辑回归
P2P network lending platformpersonal credit evaluationindex systemlogistic regression
《常州大学学报(社会科学版)》 2016 (1)
80-85,6
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