Research On Credit Risk Of P2P Platform Borrower

P2P network lending is a professional network platform with the aid of electronic commerce,by lending to each other between individual and personal microfinance transactions.The appearance of network lending has solved the loan problem of the vast small or medium-sized enterprises and the general public,and embodied the concept of inclusive finance.The development of the network loan platform conforms to the trend of "Internet+".However,due to the lack of historical experience,the development process has encountered many difficulties.For example,as a member of the financial industry,The key to development lies in the management of risk control.In this paper,firstly,combining with the characteristics of personal credit risk assessment and the characteristics of the network loan platform,the main commercial banks in China combined with the existing system indicators,of the borrower's credit risk management index system.Then,using the method of binomial Logistic regression analysis and network reptile technology,I wrote the appropriate cycle data acquisition program,and select the leader enterprise loan in the network loan industry as the source of the empirical sample data.Finally,after the empirical study,the results show that the evaluation index system and the model are feasible.At the same time,through the application of the index system and the model,the empirical indicators are used to obtain the indicators of the borrower's credit risk.The results showed that the borrower's education,marital status and home real estate and car production situation,are not affected whether the borrower's existence of the main factors of credit risk;and the borrower's age,the borrower's history of borrowing situation and the level of assessment of the platform for its assessment of whether it will have a significant impact.At the end of the study,the applicability of the model was evaluated by re-selecting the test samples,and the conclusion that the model has better predictability is obtained.Through this study,compared with the model of credit risk evaluation index system and the credit risk assessment method of human loan itself,the model has the advantage of more application.On this basis,combined with the application of the model,the analysis of the risk management of all loans,for a better development of the platform to make recommendations for improvement.