摘要
本文在对网贷参与者逾期行为进行理论分析的基础上,将影响逾期行为的因素分为信用、个人、标的及往期借款四个特征维度,认为网贷平台应当关注借款人的信用状况、个人生活状况、偿还历史及往期借款等指标。通过建立Logit回归模型进行实证分析,发现借款人信用等级、生活状况、居住地区、个人收入、成功借款次数和按时还款次数对借款人逾期率具有显著的负向影响,逾期还款次数、受教育年限、借款利率、借款时间和提前还款次数对借款人逾期率具有显著的正向影响,而有无银行逾期、借款金额及投标笔数对借款人逾期率不存在显著影响。
Based on the theoretical analysis of network-loan-participant＇s overdue behaviors, this paper classifies the factors to influence the overdue behaviors as four types, i.e. credit, individual, objective and the past borrowing, and proposes that the borrower＇s credit status, personal living conditions, repayment records, the past borrowing and other indicators should be paid attention to. The empirical analysis based on the Logit regression model shows that the borrower＇s credit status, living condi- tions, resident region, personal income, times of successful borrowing and times of repayment on schedule influence borrower＇s overdue rate significantly and negatively, and times of overdue repayment, education years, interest rate of loan, times of repay- ment ahead of schedule influence borrower＇s overdue rate significantly and positively, but record or no record of overdue repay- ment, loan amount and bid items don＇t influence borrower＇s overdue rate significantly.
出处
《金融论坛》
CSSCI
北大核心
2013年第11期65-72,共8页
Finance Forum
基金
广西师范大学学术科技创新基金项目:"民间新型借贷--P2P网络借贷发展的实证研究"
关键词
民间借贷
借款人
P2P
网络贷款
逾期行为
信用体系
private borrowing and lending
borrower
P2P
network loan
overdue behavior
, credit system
