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微型金融应作为反贫困的一种重要金融服务供给已经成为共识。其中,P2P平台的兴起为微型金融提供了市场交易载体,增进了金融服务的普惠性。论文使用“人人贷”平台海量个人借贷数据,探寻影响借款人在P2P市场中的表现的具体因素。基于P2P平台的实证分析结果,笔者认为在P2P市场中,重要的是借款人的当前信用等级信息。在P2P市场中,过去表现好的借款人不一定获得更有利的条款,而过去表现不好的借款人也不一定具有劣势。论文的实证结果可以为金融机构发展微型金融、服务低收入群体、精准识别客户提供支持。
It has become the consensus that microfinance should serve as an important financial service against poverty. Among them, the rise of P2P platform for microfinance provides a market trading carrier, improving the financial services of the inclusiveness. The paper uses the mass lending data of “Renren Loan” platform to explore the specific factors that affect the performance of borrowers in the P2P market. Based on the results of empirical analysis of P2P platform, I believe that in the P2P market, it is important that the borrower’s current credit rating information. In P2P markets, borrowers who have performed well in the past may not necessarily get more favorable terms, and borrowers who did not perform well in the past may not necessarily have disadvantages. The empirical results of the dissertation can provide support to financial institutions in developing microfinance, serving low-income groups and accurately identifying clients.