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Research on the Influencing Factors of Loan Interest Rate and Default Rate of P2P Net Loan Platform ——Based on Data of PPDAI

徐嘉正

暨南大学

Abstract: This paper mainly takes PPDAI as an example to study the factors of interest rate and default rate of P2 P platform.By collecting data from PPDAI and using quantitative research methods,the research results show that the borrowers’ credit score is inversely proportional to the interest rate,that is,The higher the credit score,the lower the interest rate.The number of successful borrowing and the borrower rating are also inversely proportional to the interest rate.In the aspects of borrower’s bas... More
Keywords：

P2P lending; Information Asymmetry; Credit evaluation; Loan Rate; Default Rate;

  • Series：

    (J) Economics ＆ Management

  • Subject：

    Finance; Trade Economy; Investment

  • Classification Code：

    F832.4;F724.6

Tutor：

伍亚;

Retraction:

西方经济学

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