摘要
本文利用某网络借贷平台的借贷数据,分析了现金贷借款人的还款行为。研究发现:一类用户群体和一类借贷产品值得关注;用户群体方面,低年龄、低学历、低收入的单身男性更可能违约,平台借贷次数多的用户出现逾期行为的可能性约小;借贷产品方面,期限短、费用高、用于满足基础紧急需求的贷款更可能成为不良贷款。最后,通过稳健性检验证实了结论的可靠性。
Using the loan data of an online lending platform,this paper studies the repaymemt bahavior of the users of the platform.The result shows as follows:one kind of users and one kind of loan products should be focused on;in terms of user groups,single men with low age,low education and low income have a higher risk of choosing not to repay the loan;in order to maintain a good personal credit record,the more users borrow on the platform,the less likely they are to default;in terms of lending products,loans with short term and high cost are more likely to become non-performing loans;loans used to meet basic emergency needs are significantly more likely to become non-performing loans.Finally,the robustness test proves the reliability of the conclusion.
作者
刘军
李倩
孟祥轶
Liu Jun;Li Qian;Meng Xiangyi(School of Information Resources Management,Renmin University of China,Beijing 100872,China;China Academy of Public Finance and Public Policy,Central University of Finance and Economics,Beijing 100081,China)
出处
《创新与创业管理》
2020年第2期90-110,共21页
Management of Innovation and Entrepreneurship
关键词
现金贷
还款行为
信用风险
cash loan
repayment behavior
credit risk
