P2P平台满标影响因素研究—以人人贷为例.pdfVIP

Hans Journal of Data Mining 数据挖掘, 2016, 6(1), 54-59 Published Online January 2016 in Hans. /journal/hjdm /10.12677/hjdm.2016.61007 Research on the Factors Influencing Successful Targets on P2P Platform —A Case Study of Ren Ren Dai Mengling Liu School of Finance and Statistics, Shanghai University of Finance and Economics Zhejiang College, Jinhua Zhejiang th th th Received: Jan. 7 , 2016; accepted: Jan. 24 , 2016; published: Jan. 27 , 2016 Copyright © 2016 by author and Hans Publishers Inc. This work is licensed under the Creative Commons Attribution International License (CC BY). /licenses/by/4.0/ Abstract In this paper, 5718 target recordings on Ren Ren Dai (a Peer-to-Peer lending platform) are se- lected for research. We take the variable which can reflect the target status as dependent variable, and lend credit scores, loan amount, etc. as independent variables. In order to help borrowers predict the success ratio, we build the Logistic model; the accuracy rate of the model is verified to be 93.7%. In addition, the results of the decision tree classification show a failure rate of 0.05. Fi- nally, a comprehensive of the two methods comes to a conclusion that: credit rating, lending credit score and overdue times have the greatest impacts on the target status, and the variable target type has no significant effect. Keywords Peer-to-Peer, Logistic Model, Decision Tree, Failure Rate P2P平台满标影响因素研究 —以人人贷为例 刘梦玲 上海财经大学浙江学院，金融与统计学院，浙江 金华 文章引用: 刘梦玲. P2P 平台满标影响因素研究[J]. 数据挖掘, 2016, 6(1): 54-59. /10.12677/hjdm.2016.61007 刘梦玲 收稿日期：