The Research For The Disk Of Peer-to-Peer Lending By The Logistic Regressive

P2P network lending is one of the important achievements of traditional financial services combined with Internet technology application exploration and innovation.It improves financing efficiency,enriches the diversification of financial structure,and is a kind of Inclusive Finance.Although P2 P network lending has its unique advantages,in recent years,the situation of P2 P network lending platform in China is not very optimistic.The frequent explosion of the platform,the extension of the filing system,and the establishment of a special group by the government to deal with P2 P risks,all objectively reflect the risks of P2 P network lending platform in China at the present stage.Therefore,it is of great theoretical and practical significance to study the risk of P2 P network lending platform in China,in order to maintain the stability of Internet financial order and to explore the solution of network financial risk.Based on the review of the relevant research at home and abroad,this paper first collects and sorts out the relevant data and policy supervision of P2 P network lending platform in recent years,and analyzes the main problems of P2 P network lending platform in China at present from three aspects: the overall development status of the platform,the current situation of policy supervision and the situation of the problem platform.Through the analysis,it is found that many platforms are not only engaged in lending In addition to the information intermediary business,it also uses the name of P2 P network lending to raise funds and participate in speculation,which makes the risk of the platform more serious.Then,this paper compares P2 P network lending platform with traditional lending institutions and traditional private lending,and analyzes their main differences.After comparing with traditional lending institutions,we get four main differences: different roles,different constraints,different thresholds and different lending relationships.After comparing with traditional private lending,we find that P2 P online lending platform has two advantages: integration advantage of lending demand and long tail user model advantage.Then,according to the characteristics of P2 P network lending platform different from general lending,based on its unique characteristics,using the theories of information asymmetry,financial instability,evasive financial innovation and limited rationality of economic behavior,combined with the current situation of China’s P2 P network lending platform,further analysis leads to the emergence of China’s P2 P network lending platform at this stage The main risks of the problem,the analysis results show that the main risks faced by the platform at this stage are: liquidity risk,policy risk,cost risk,market risk and systematic risk,and through the analysis,these five types of risks are divided into 12 sub-risk characteristics.In the analysis process,it is also found that the platform risk of directly participating in the loan transaction is more than the platform of pure information intermediary Serious.Then,in the empirical analysis,based on the logistic regression analysis,we take whether there is risk problem in the platform as the dependent variable,twelve secondary risk characteristics as the independent variable,and construct a risk measurement model to test the impact of various risks on the platform.Then,we use the crawler software to obtain the platform data needed for the research from the information data published by the online lending house,and carry out the multicollinearity test on the data,and eliminate the multicollinearity problem through the test,proving that the actual impact of each secondary risk feature on the overall risk of the platform is not repeated.Then we test the fit of the model,and prove that the risk measurement model constructed by the text can reflect the overall risk situation of P2 P network loan platform in China.Finally,SPSS software is used to import the platform data after verification,and logistic regressive analysis is carried out through the software to get the final risk measurement model expression and interpret the formula.The test results show that the risks of the platform have a significant impact on the problems of the platform.Finally,according to the results of theoretical analysis and empirical test,from the perspective of avoiding risks,some suggestions are put forward to re-establish a compliant and orderly P2 P network lending platform.This paper studies and analyzes the risk problems of P2 P network lending platform in China by combining theoretical analysis and empirical test.From the analysis results,many problems have been exposed in China’s P2 P platform.These problems show that there are indeed large risks in the platform and lead to the risk problems of the platform,which has seriously affected the national financial order Stability.At the same time,the analysis results also provide theoretical support for the current policy direction of platform retreat and risk reduction.