本文選題：P2P網(wǎng)絡借貸 + 逾期率　； 參考：《廣西師范大學》2017年碩士論文

【摘要】：P2P網(wǎng)絡借貸用的是個人借貸的理念,就是通過網(wǎng)絡的方式,將借款人和出借人聯(lián)系起來,實現(xiàn)借款人和出借人之間的聯(lián)系。P2P借貸平臺屬于互聯(lián)網(wǎng)金融的一類,不同于傳統(tǒng)借貸的是,互聯(lián)網(wǎng)借貸平臺消除了人與人之間的空間距離通過互聯(lián)網(wǎng),借貸雙方交換信息而無需通過現(xiàn)場進行確認。由于簡便快捷的優(yōu)勢,互聯(lián)網(wǎng)金融迎來了高速發(fā)展。P2P網(wǎng)絡借貸平臺的發(fā)展帶來了互聯(lián)網(wǎng)借貸平臺的風險問題。近年更是有大量爆發(fā)并導致部分互聯(lián)網(wǎng)借貸平臺倒閉的趨勢。其中有小部分網(wǎng)絡借貸平臺涉嫌非法集資導致借貸平臺跑路,更多的還是借貸平臺對于風險控制沒有把握好,造成了大量的金融借款逾期。對于P2P網(wǎng)絡借貸平臺而言,借款逾期率的控制就如同P2P網(wǎng)絡借貸平臺的生命,已經有學者對于P2P網(wǎng)絡借貸平臺的出借人借貸行為作出研究,出借人是否借款會參考借款人所提供的基本信息。借款人所提供的基本信息描述會影響到借款人是否成功借款。借款人個人信息以及信用狀況對于出借人來說是非常重要的因素,會對出借人的基本出借人的決策產生影響。P2P網(wǎng)絡借貸平臺的影響因素以及P2P網(wǎng)絡借貸平臺對于風險逾期的管理和如何降低P2P網(wǎng)絡借貸平臺逾期率的研究。借款者的基本信息是借款者對于個人信息的總體陳述。然而借款人所提供的信息并不一定是完全真實的,通過互聯(lián)網(wǎng),借款人和出借人之間雖然構成聯(lián)系。但是借款人和出借人之間仍然是信息不對稱的狀態(tài),因為信息不對稱的存在,借款人更傾向于向借款著提供更“漂亮”的信息,從而使得自己更容易獲得借款。借款人對于信息的提供可能影響到借款人最終這筆借款是否會逾期。在理論方面,逾期理論主要分為行為理論和信息不對稱理論。行為理論分為主動逾期和被動逾期,主動逾期的原因是借款者出于集資的目的。被動逾期的原因是借款者本身并沒有很強的逾期目的,但是由于某些特殊的原因,從而產生被動逾期。被動逾期的原因產生主要是來源于借款者對于自身財務狀況沒有一個很好的評估,從而產生了超出自身預料的還款壓力進而導致逾期的產生。逾期理論還有信息不對稱理論,信息不對稱理論是借款者對于本身信息存在解釋上的原因,無法讓出借者理解或者存在某些問題。也有借款者出于欺騙的本意,隱瞞個人真實信息,從而獲取貸款。由于信息不對稱的存在進而產生逆向選擇和道德風險。逆向選擇和道德風險的存在使得借款人逾期行為會更加影響到借款者的借款難度,借款人的信息對于出借者是主要影參考因素。國內的借款平臺對于本身的風控都非常重視,借款平臺的逾期風險是風險控制中的重要內容。借款者需要在借款平臺上完整的表述借款人的基本信息,如借款者的年齡,月收入等。通過借款者所提供的基本信息,出借人會對于借款者所提供的信息進行評估�；谠u估后出借人選擇是否進行出借。國內外對于P2P網(wǎng)絡借貸的研究文獻研究主要集中在P2P網(wǎng)絡借貸中的風險監(jiān)管以及法律框架建設。還有部分文獻是對于信用體系的構建等。對于借款者和出借者的研究較多的關注于借款者和出借者的借貸行為上,研究主要在于借款成功率。對于逾期率的研究較少。本文旨在研究借款人所提供的基本信息對于借款者最終是否逾期構成影響,如果構成影響,那么借款者所提供的基本信息中有哪些因素最終會影響借款人逾期。借款人的基本信息狀況中哪些是最主要的影響因素,這些最主要的影響因子對于逾期的率是否顯著是本文重要的研究內容。本文對于人人貸的數(shù)據(jù)就逾期率展開實證研究。首先是對逾期行為進行理論分析,將逾期行為分為主動逾期和被動逾期分別討論;接下來,把對逾期率產生影響的可搜查的變量進行實證分析。通過主成分分析找到主要的影響變量,再通過多元回歸證明變量和逾期率之間的關系實證結果表明,在所研究的變量中,與逾期率有著明顯關系的是為利率、借款期限、年齡、工作時間、成功次數(shù)、房產、借款總額、月收入、借款數(shù)量、信用分數(shù)、信用額度。這些變量對于逾期率都產生了影響,有些是正向的有些是負向的。
[Abstract]:P2P network borrowing is the idea of personal lending, which is the way to connect borrowers and lenders through network, and to realize the link between borrowers and lenders, and the.P2P lending platform belongs to the category of Internet finance. Unlike traditional lending, the Internet lending platform eliminates the space distance between people and people through each other. On the Internet, the borrowers and the borrowers exchange information without identifying them through the scene. Because of the simple and quick advantages, the Internet Finance ushered in the development of the high speed development.P2P network lending platform, which has brought about the risk of the Internet lending platform. In recent years, there have been a large number of outbreaks and the trend of the collapse of some interconnected lending platforms. Some of the Internet lending platform is suspected of illegal fund-raising, which leads to the lending platform running. More or less credit platform is not good for risk control, resulting in a large amount of financial borrowing overdue. For the P2P network lending platform, the control of the loan overdue rate is like the life of the P2P network lending platform, and there have been scholars on the P2P network lending. The borrower's loan behavior is studied. The borrower's loan will refer to the basic information provided by the borrower. The basic information description provided by the borrower will affect the borrower's successful loan. The borrower's personal information and the credit status are a very important factor for the lenders, and the borrower will be essential to the borrower. The factors that affect the.P2P network lending platform and the P2P network lending platform for risk overdue management and how to reduce the overdue rate of the P2P network lending platform. The borrower's basic information is the overall statement of the borrower's personal information. However, the borrower's information is not necessarily complete. Actually, through the Internet, the borrower and the borrower are linked, but the borrower and the borrower are still in a state of information asymmetry, because the asymmetry of information, the borrower is more inclined to provide more "beautiful" information to the loan, thus making it easier to get the loan. The borrower is about the information. In theory, the overdue theory is divided into behavioral theory and information asymmetry theory. Behavior theory is divided into active overdue and passive overdue. The reason for the overdue is that the borrower is out of capital. The reason for the passive overdue is that the borrower itself is not very strong. The overdue purpose is due to some special reasons, resulting in a passive overdue period. The reason for the passive overdue is mainly due to the lack of a good assessment of the borrower's own financial situation, which leads to the overdue process beyond the expected repayment pressure. The overdue theory and the information asymmetry theory, The theory of interest asymmetry is the reason why the borrower explains the information of its own, and can not let the borrower understand or have some problems. The borrower also conceals the personal real information from the original intention of deception, thus obtaining the loan. The adverse selection and moral hazard are produced by the asymmetric information. The existence of the risk causes the borrower's overdue behavior to affect the borrower's difficulty of borrowing more. The borrower's information is the main reference factor for the borrower. The domestic borrowing platform attaches great importance to its own wind control. The overdue risk of the borrowing platform is the important content of the risk control. The borrower needs to be complete on the loan platform. The basic information of the borrower, such as the borrower's age, monthly income, and so on. Through the basic information provided by the borrower, the borrower will assess the information provided by the borrower. Based on the evaluation of the borrower, the borrowor will choose whether to borrow. The research literature on P2P network lending at home and abroad is mainly focused on P2P network lending There are also some literature on the construction of the credit system and the construction of the credit system. For the borrowers and the borrowers, the research mainly focuses on the borrower and the borrower's lending behavior. The research mainly lies in the loan success rate. The study of the overdue rate is less. This paper aims to study the basic of the borrowers. Information has an impact on whether the borrower eventually overdue, if it is an impact, then what factors in the basic information provided by the borrower will ultimately affect the borrower's overdue. What are the most important factors in the borrower's basic information status, which are the most important factors for the overdue rate? First, the overdue behavior is theoretically analyzed, and the overdue behavior is divided into active overdue and passive overdue discussion. Then, the empirical analysis of the variables that can affect the overdue rate is analyzed. The main analysis is found through the principal component analysis. The empirical results of the relationship between the variable and the overdue rate show that, in the variables studied, there is a significant relationship between the rate of interest, the period of borrowing, the age, the working time, the number of success, the real estate, the total amount of borrowing, the monthly income, the amount of borrowing, the credit score, the amount of credit. The rate of return has been affected, some of which are positive and some are negative.
【學位授予單位】：廣西師范大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.4

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