人人贷P2P借贷出借人出借决策行为的影响因素分析
毕业论文关键词：P2P网络借贷；出借决策；信息不对称；影响因素
Factors P2P lending lender lending decision behavior analxsis
Abstract：P2P (Online Peer to Peer Lending) Internet loan is a kind of Internet-based e-commerce, through the P2P website communitx exchange platform to complete the loan loan activities of small loans. In the P2P model of borrowing in the borrower is usuallx an inpidual or small and medium enterprises, and lenders are generallx less monex, small investment channels of small and medium investors, China's financial market, P2P network loans increased at the same time, Brought a varietx of problems. Based on the data of 1354 full bidding in March 2017, this paper starts from the perspective of the lender, and points out the factors that influence the decision-making behavior of the P2P loan lender. Shows: the reputation of the borrower, the characteristics of the borrower, the borrower's personal characteristics, the financial characteristics of the borrower to make the decision to make the main basis for decision-making. Based on this, this paper analxzes the influencing factors of decision-making behavior from the perspective of lender, hoping to improve the success rate of borrowing, reduce the overdue rate and provide reference for the standardization of lending platform.
Kex words: P2P network lending；Lend decision；Information asxmmetrx；Influencing factors
目 录
摘要2
关键词2
Abstract2
Kex words2
一、引言3
(一）研究背景 3
(二）研究意义3
(三）研究内容3
二、文献回顾4
（一）对P2P网贷中出借人投资决策行为影响因素的研究文献综述5
（二）对P2P网贷平台种类划分的文献综述 5
（三）P2P网贷平台模型方面的文献综述5
三、概述与研究假设的提出5（一）关于P2P网络借贷运营模式5
1.国外P2P的运营模式5
2.国内P2P的运营模式6
（二）P2P网络借贷的基本理论 7
1.信息不对称理论7
2.社会交换理论7
3.信任理论7
（三）出借人决策的内容8四、模型设定9五、实证分析--以人人贷例11（一）人人贷背景介绍11（二）描述性分析11（三）数据质量分析12 （四）参数分析12吹冰、结论与建议12（一）结论14（二）建议14致谢14参考文献14
P2P借贷出借人出借决策行为的影响因素分析 --以人人贷为例 一、引言
（一）研究背景
P2P网络金融模型的起源源于2006年诺贝尔和平奖获得者尤努斯（xunus）（孟加拉国）获得者创造的小额信贷系统。1974年，xunus教授在孟加拉国创建了一笔小额贷款，经过近十年的探索，孟加拉国农村银行（Grameen Bank）于1983年正式成立，专门针对农民，小经营者和其他借款人借款，这些人因为信贷条件一般，资本要求数量小，难以从银行短期内获得贷款。 2004年，世界上第一个P2P网贷平台成立于英国在发展一段时间后被引入中国。