本文選題：P2P網(wǎng)貸平臺　切入點：借款人信用風(fēng)險評估　出處：《北京交通大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：P2P網(wǎng)絡(luò)借貸作為一種借助于互聯(lián)網(wǎng)平臺而打造的金融業(yè)務(wù)平臺,因其能夠滿足小微企業(yè)及個人借款者的資金需求,同時又為投資者提供了較高利率的投資方式,受到人們的廣泛關(guān)注。P2P運作模式的出現(xiàn)降低了小微企業(yè)及單個的借款人的申請壓力,通過民間借貸的方式,實現(xiàn)了金融普及化的美好愿景。網(wǎng)貸平臺的發(fā)展順應(yīng)了“互聯(lián)網(wǎng)+”的思想潮流,然而,由于缺乏歷史經(jīng)驗的積累,其發(fā)展過程中也遇到了很多的困難,比如:作為風(fēng)險頻發(fā)的金融行業(yè)中的一員,其發(fā)展的關(guān)鍵就在于對風(fēng)險的管理控制。在本文的研究中,首先,結(jié)合國內(nèi)主要商業(yè)銀行對個人信用風(fēng)險評估的方式與網(wǎng)貸平臺自身所具有的的特點,結(jié)合現(xiàn)有文獻研究中的體系指標(biāo),構(gòu)建出一套適用于網(wǎng)貸平臺的借款人信用風(fēng)險管理指標(biāo)體系。隨后,使用二項Logistic回歸分析的方法,以及網(wǎng)絡(luò)爬蟲技術(shù),編寫出合適的循環(huán)數(shù)據(jù)采集程序,選取網(wǎng)貸行業(yè)中的領(lǐng)軍企業(yè)人人貸,作為研究的實證樣本數(shù)據(jù)的來源。最后,經(jīng)過實證研究后的結(jié)果表明,構(gòu)建的評價指標(biāo)體系及模型具有可行性,同時通過對指標(biāo)體系及模型的應(yīng)用,利用實證樣本得出了選取的指標(biāo)體系中的指標(biāo)對借款人信用風(fēng)險的影響有輕重之分的結(jié)論,結(jié)果表明借款人的學(xué)歷、婚姻狀況以及家中房產(chǎn)與車產(chǎn)的情況,均不是影響借款人是否存在信用風(fēng)險的主要因素;而借款人的年齡、借款人的歷史借款情況以及平臺對其的評估等級則對其是否會違約的評定具有重要的影響。研究最后,通過重新選取測試樣本,對模型的應(yīng)用性進行了評估,得出了模型具有較優(yōu)的預(yù)測性的結(jié)論。通過此次研究,對比了根據(jù)構(gòu)建的信用風(fēng)險評價指標(biāo)體系的模型與人人貸本身的信用風(fēng)險評估方式,得出模型更具有應(yīng)用的優(yōu)勢性的結(jié)果。在此基礎(chǔ)上,結(jié)合模型的應(yīng)用,對人人貸風(fēng)險管理方式的分析,為該平臺更好的發(fā)展提出改善性的建議。
[Abstract]:P2P network lending as a platform with the help of the Internet and build a financial services platform, because it can meet the Small and micro businesses and individual borrowers demand for funds, while providing higher rates of investment for investors, people pay close attention to the.P2P mode of operation is reduced Small and micro businesses and individual borrowers the application of pressure, through the way of private lending, to achieve better vision of financial literacy. Net loan platform development conform to the "Internet plus" ideological trend, however, due to the lack of historical experience, the development process has encountered many difficulties, such as: as a member of the risk prone financial industry the key to its development lies in the control of risk management. In this paper, firstly, combination of domestic commercial banks for personal credit risk assessment and net loan platform The body has the characteristics, combined with the index system of the existing literature research, construct a set of applicable to the net loan platform borrower credit risk management index system. Then, regression analysis method using two Logistic, and the technology of web crawler, write cycle data acquisition program is appropriate, select the net loan industry in leader in peer-to-peer lending, as a source of empirical research sample data. Finally, after the empirical research results show that the evaluation index system and model construction is feasible, at the same time, through the application of the index system and model, the use of empirical samples that affect the index system in the selected indicators on the borrower's credit risk is divide the conclusion, results show that the borrower's qualifications, marital status and family property and car production, are not affect whether the borrower credit risk of the main To the age factors; and the borrower, the borrower's borrowing history and the platform of evaluation grade of assessment of whether it will default has important influence. Finally, by re selecting test sample, the application of the model was evaluated, the model has a better prediction results. Through this study, compared with peer-to-peer lending according to the model of credit risk evaluation index system of credit risk assessment itself, the model has more application advantages of the results. On this basis, combined with the model of the application, analysis of peer-to-peer lending risk management mode, put forward the improvement suggestions for the development of a better platform.

【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4;F724.6

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