湖南省P2P网贷违约人特征实证研究
投稿时间:2018-06-05  修订日期:2018-06-05  点此下载全文
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吴楠 中共湖南省委直属机关党校 410011
中文摘要:网贷违约人是否具有区域性特征是当前P2P研究领域的空白。本文借助网络爬虫技术手段获取“人人贷”平台上借款人的各项信息,提取两个样本:分别全国随机样本和湖南省随机样本,构建二元Logit回归模型,分析其中对违约率有显著影响的变量。研究表明,负债收入比、借款期限、学历、房产、房贷、描述指数对违约行为有负向影响,而借款利率、车产、认证个数对借款者违约行为有正向影响。同时,通过对两个样本最终回归模型的比较,发现湖南省违约人特征与全国随机样本中体现的违约人特征基本一致,但值得注意的是,房产和车产的拥有在湖南无法作用网络借贷人履约能力提升的标志。
中文关键词:关键词:P2P网络借贷平台  地域特点  违约人特征
 
An Empirical Study on the Characteristics of P2P Online Lending Defaulters in Hunan Province
Abstract:Whether the network loan defaulter has regional characteristics is an uncovered area of P2P research. This paper obtains the information of the borrowers on the "renrendai"net loan platform with the help of the web crawler technology, and extracts two samples: the random samples of the whole country and the random samples of Hunan province. A binary Logit regression model is built to analyze the variables which have significant influence on the default rate. The study shows that the debt-to-income ratio, the maturity of the loan, the educational background, the property, the mortgage and the description index have a negative impact on the default behavior, while the interest rate of the loan, owning cars and the number of certification have a positive impact on the default behavior of the borrowers.At the same time, through the comparison of the final regression model of two samples, it is found that the characteristics of the defaulters in Hunan province is basically consistent with the random samples of the whole country, but it is worth noting that the ownership of real estate and car can not help to improve the performance of network borrowers in Hunan.
keywords:P2P net loan platform  Regional characteristics  Characteristics of defaulter
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