国内P2P网络借贷平台借款人特征比较分析——以人人贷和向上360为例
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摘要
P2P近年来呈现出爆炸性增长的发展态势。我国对P2P网贷的研究起步较晚,大多阐述P2P网贷运营模式、风险及对策建议。文章收集了国内人人贷和向上360网络贷款平台的交易数据,对网贷平台借款人的特征进行比较,并分析其中存在的各种歧视现象,从而为借款者、P2P网贷平台等提供借鉴意义。研究发现:P2P网贷借款人主要为中青年人;P2P网贷平台通常偏好向三类人批复相对较高的授信额度:有房产或车产的人、年龄稍长的人、高收入者。此外,学历对借款成功率也有一定程度的影响,且不同模式的平台受各因素的影响程度不同,信用贷款比抵押贷款更看重学历、年龄等更多信息。
P2 Phas shown a trend of explosive growth in recent years.The research on P2 Pnetwork loans started late in China, most of them describe P2 P network loan operation mode,risk and countermeasure suggestions.In this paper,the transaction data of the Renrendai and Xiangshang360 were collected to compare the characteristics of the borrowers under the different P2 Pnetwork loan platforms and analyze various discrimination phenomena so as to provide reference for borrowers and P2 Ploan platforms.It is found that borrowers of P2 P network loan platforms are mainly young people.P2 P network loan platform usually prefers to the following people.The first group of people with slightly old age has house property or car production;the second category is the older people,and the third category is the high-income borrowers.In addition,education has an impact on the success rate of borrowing,and different modes of platforms are affected by various factors.Credit loan pays more attention to education,age and more information than mortgage loan.
P2 Phas shown a trend of explosive growth in recent years.The research on P2 Pnetwork loans started late in China, most of them describe P2 P network loan operation mode,risk and countermeasure suggestions.In this paper,the transaction data of the Renrendai and Xiangshang360 were collected to compare the characteristics of the borrowers under the different P2 Pnetwork loan platforms and analyze various discrimination phenomena so as to provide reference for borrowers and P2 Ploan platforms.It is found that borrowers of P2 P network loan platforms are mainly young people.P2 P network loan platform usually prefers to the following people.The first group of people with slightly old age has house property or car production;the second category is the older people,and the third category is the high-income borrowers.In addition,education has an impact on the success rate of borrowing,and different modes of platforms are affected by various factors.Credit loan pays more attention to education,age and more information than mortgage loan.
引文
[1]廖理,李梦然,王正位.中国互联网金融的地域歧视研究[J].数量经济技术经济研究,2014,31(5):54-70.
[2]尉丽婷.P2P网络融资中借款能力的影响因素研究:以拍拍贷为例[J].时代经贸,2013,11(7):72-73.
[3]安鑫,白静.拍拍贷借款能力影响因素研究[J].当代经济,2016,32(28):60-61.
[4]陈建中,宁欣.P2P网络借贷中个人信息对借贷成功率影响的实证研究:以人人贷为例[J].财务与金融,2013,28(6):13-17.
[5]Barasinska N,Schfer D.Are Women More Creditconstrained than Men?Evidence from a Rising Credit Market[R].German:Institute for Economic Research,2010.
[6]庄雷,周勤.身份歧视:互联网金融创新效率研究——基于P2P网络借贷[J].经济管理,2015,37(4):136-147.
[7]汤英汉.中国P2P网贷违约特征实证研究[J].商业时代,2014,33(32):90-92.
[8]顾慧莹,姚铮.P2P网络借贷平台中借款人违约风险影响因素研究——以WDW为例[J].上海经济研究,2015,34(11):37-46.
[9]廖理,李梦然,王正位.聪明的投资者:非完全市场化利率与风险识别——来自P2P网络借贷的证据[J].经济研究,2014,60(7):125-137.
[10]廖理,吉霖,张伟强.借贷市场能准确识别学历的价值吗?——来自P2P平台的经验证据[J].金融研究,2015,58(3):146-159.
[11]苏亚,成春林.P2P网贷借款人违约行为影响因素的实证研究[J].金融发展研究,2017,36(1):70-76.
[12]丁婕,古永红,陈冬宇.交易信任、心理感知与出借意愿——P2P在线借贷平台的出借意愿影响因素分析[C]//中国管理现代化研究会.第五届(2010)中国管理学年会:信息管理分会场论文集.大连:中国管理现代化研究会,2010:112-121.
[13]王会娟,廖理.中国P2P网络借贷平台信用认证机制研究——来自“人人贷”的经验证据[J].中国工业经济,2014,32(4):136-147.
[14]温小霓,武小娟.P2P网络借贷成功率影响因素分析——以拍拍贷为例[J].金融论坛,2014,19(3):3-8.
(1)数据来源:网贷之家
[2]尉丽婷.P2P网络融资中借款能力的影响因素研究:以拍拍贷为例[J].时代经贸,2013,11(7):72-73.
[3]安鑫,白静.拍拍贷借款能力影响因素研究[J].当代经济,2016,32(28):60-61.
[4]陈建中,宁欣.P2P网络借贷中个人信息对借贷成功率影响的实证研究:以人人贷为例[J].财务与金融,2013,28(6):13-17.
[5]Barasinska N,Schfer D.Are Women More Creditconstrained than Men?Evidence from a Rising Credit Market[R].German:Institute for Economic Research,2010.
[6]庄雷,周勤.身份歧视:互联网金融创新效率研究——基于P2P网络借贷[J].经济管理,2015,37(4):136-147.
[7]汤英汉.中国P2P网贷违约特征实证研究[J].商业时代,2014,33(32):90-92.
[8]顾慧莹,姚铮.P2P网络借贷平台中借款人违约风险影响因素研究——以WDW为例[J].上海经济研究,2015,34(11):37-46.
[9]廖理,李梦然,王正位.聪明的投资者:非完全市场化利率与风险识别——来自P2P网络借贷的证据[J].经济研究,2014,60(7):125-137.
[10]廖理,吉霖,张伟强.借贷市场能准确识别学历的价值吗?——来自P2P平台的经验证据[J].金融研究,2015,58(3):146-159.
[11]苏亚,成春林.P2P网贷借款人违约行为影响因素的实证研究[J].金融发展研究,2017,36(1):70-76.
[12]丁婕,古永红,陈冬宇.交易信任、心理感知与出借意愿——P2P在线借贷平台的出借意愿影响因素分析[C]//中国管理现代化研究会.第五届(2010)中国管理学年会:信息管理分会场论文集.大连:中国管理现代化研究会,2010:112-121.
[13]王会娟,廖理.中国P2P网络借贷平台信用认证机制研究——来自“人人贷”的经验证据[J].中国工业经济,2014,32(4):136-147.
[14]温小霓,武小娟.P2P网络借贷成功率影响因素分析——以拍拍贷为例[J].金融论坛,2014,19(3):3-8.
(1)数据来源:网贷之家