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P2P网贷是互联网在金融和民间借贷领域的创新。近几年,网贷业务在国内呈爆发式增长,但由于其自发性,在我国信用体系不完善的环境下,屡屡造成信用风险问题。从违约人黑名单中提炼出借款金额、借款利率、违约人的性别、年龄、职业这些数据,运用OLS法对违约人的借款金额和违约金额进行多元线性回归分析,对违约人的特征进行了统计分析。研究表明,借款金额、借款利率、违约人的性别、年龄和职业都与信用风险的发生存在着相关关系。最后还提出了信用风险的防范措施,通过法律法规和信用体制的完善逐渐降低信用风险。
P2P net loan is the internet innovation in the field of finance and private lending. In recent years, net loan business has been explosive growth in the country, but because of its spontaneity, in our credit system is not perfect environment, often causing credit risk. From the black list of defaulters, the loan amount, loan interest rate, the sex, age and occupation of the defaulter were extracted. By using the OLS method, multiple linear regression analysis was conducted on the amount of default and the amount of default, and the characteristics of the defaulter Statistical Analysis. The research shows that the loan amount, loan interest rate, the default sex, age and occupation are related to the occurrence of credit risk. In the end, we also put forward the precautionary measures of credit risk, and gradually reduce the credit risk through the improvement of laws, regulations and credit system.