摘要
从业经历与教育背景作为两项能够代表借款人内在能力特质的重要指标,对于借款人申贷成功与否起到不可忽视的作用。笔者通过运用具有代表性的P2P网络借贷平台"人人贷"2010年10月至2015年1月的真实数据,对借款人工作时间、学历与其借贷成功率三者之间的关系进行了实证研究。Probit模型和Logit模型的回归结果均表明:借款人工作经历越丰富或学历越高,其借贷成功率越高,即此两者与借贷成功率呈现显著的正相关关系;但是,借款人工作时间与学历背景的交互影响却与直觉相反,即兼具这两种特质会在一定程度上削弱其单独存在时对于借贷成功率的正效应。上述结论表明,P2P网贷平台需要加强社会教育及平台投资者教育,在强调借款人实践经历与学历背景的重要性的同时,要多维度地量化借款人的信用评价。
As the two important indicators, experience and education background play irreplaceable roles for the borrower＇s loan application success. This paper carries on an empirical study of the relationship among the borrower＇s working hours,the degree of their academic qualifications and the success rate of the loan by using real data of the domestic representitive website ＂renrendai ＂. The regression results of Probit model and Logit model show that the longer the borrower＇s working time is,the higher the success rate of the loan is,and so is the education background. However,possessing two kinds of characteristics will weaken the positive effect on the success rate of the loan through analysis of interaction terms. The result gives some suggestions for P2 P platforms and advocate credit evaluation of the borrower with multiple dimensions.
出处
《中央财经大学学报》
CSSCI
北大核心
2016年第3期33-41,共9页
Journal of Central University of Finance & Economics
基金
国家社会科学基金重大项目"互联网金融的发展
风险与监管研究"(项目编号:14ZDA043)
中国特色社会主义经济建设协同创新中心和江苏省优势学科建设工程(PAPD)
关键词
从业经历
教育程度
P2P借贷
信用评价
Working experience
Educational status
Peer-to-peer lending
Credit rating
