| Peer to Peer(P2P),which is personal and personal opinion,is the earliest network borrowing in the UK in 2005.It is a financial service based on Internet innovation.P2 P does not rely on traditional financial institutions and conducts transactions directly on the network platform to realize capital lending.This combination of Internet innovation and financial business innovation has rapidly developed using the convenience of the Internet.Historically,funds have always been a major issue in personal life and entrepreneurship,and the development of P2 P is precisely a supplement to the traditional financial system and helps to solve the problem of financing difficulties for individuals and small and micro enterprises.With the rapid development of China’s P2 P industry,the domestic P2 P platform has rapidly increased.However,the overall network lending market is still in a stage of extensive development.The product homogeneity of each major platform is serious and the operating efficiency is not high.On the one hand,the operating platform is fraught with too many competitors and can not attract high-quality financing project resources and investors with strong capital;on the other hand,investors with investment needs are faced with difficulties in making decisions on the numerous P2 P platforms in the market.Investors can’t find a suitable loan target,which undoubtedly reduces the efficiency of the P2 P market.Therefore,how to improve the operating efficiency of the P2 P network lending market is a problem that needs to be solved.This article is based on the basic theory of P2 P network lending,and at the same time combines the transaction data of Renren Credit,using big data to conduct detailed and comprehensive analysis of customers applying for credit loans,through multiple linear regression models affecting the amount of personal credit financing Influencing factors are analyzed to find the key factor that has the greatest impact on the amount of financing,and explain the reasons behind it.By analyzing the results,it can effectively judge the basic profile of the customer,effectively shorten the distance between the P2 P platform and the customer,use the customer’s characteristics to systematically understand the needs of a customer,and betterintegrate their personal habits into products and services.Serve every customer. |
