Research On The Relationship Between Personal Features And Financing Activities On China P2P Platform

In recent years,with the increase in the wealth of our residents,investment and investment capacity to enhance the steady development of financial markets,directly promote the development of financial services,coupled with the continuous improvement of Internet users sticky,P2 P industry has been explosive growth.P2 P network lending is a combination of traditional private lending and the Internet,the Internet lending platform has become an important platform for small loans.However,due to the information in the Internet environment is not transparent,so the P2 P platform,personal information on the lending behavior is of great significance.Can not only rely on the information provided to protect the success and security of the transaction,so by studying the relationship between personal characteristics and financing behavior,can help P2 P platform targeted information inspection,improve the platform and individual financing efficiency,reduce financing costs.This paper uses the web crawler technology to crawl the borrower data of P2 P network borrowing platform.P2 P network financing behavior is the borrower according to their own situation to take a comprehensive judgment to take action,depending on the specific characteristics of personal characteristics.The personal characteristics of this article include age,marriage,education,monthly income,credit rating,identity,length of service and work area.The financing behavior is embodied as the financing risk preference of the P2 P platform borrower,including the conservative financing behavior,the robust type,the aggressive financing behavior and the irrational financing behavior.In this paper,multinomial logit regression model is used to study the relationship between personal traits and financing behavior.Through the empirical analysis,it is concluded that the borrower's older and more conservative financing behavior on the P2 P platform;the unmarried borrower's financing behavior is more conservative;the borrower's undergraduate and below qualifications are more conservative;the borrower The higher the monthly income,the more conservative financing behavior;the borrower's credit situation is better,the financing behavior is more conservative;the northeast and western regions of the borrower risk risk is more conservative;the borrower is the risk of private business owners Preference is lower.Finally,the author puts forward some suggestions on the development and supervision of P2 P platform.