摘要
以湖北省襄阳市居民为例,从投资者的角度出发,运用探索性因子分析、双隐含层神经网络模型、逐步回归模型探究P2P网络创新借贷中投资者投资的影响因素,研究结果显示P2P创新网贷的三大类影响因素为:投资可靠性因素、投资便利性因素、投资风险因素。同时发现襄阳市P2P网络借贷知识普及度低,居民熟悉度不高;网贷平台业务处理效率、服务质量、操作规范、坏账率,特别是风控措施受到襄阳市居民的高度重视。
A case study is made on the residents of Xiangyang City from the perspective of investors. By using exploratory factor analysis,double hidden layer neural network model,and progressive regression model,we explore the influencing factors for the investors＇ investment in innovative P2 P online lending. The results shows that the three factors influencing innovative P2 P online lending are the investment reliability factor,investment convenience factor,and investment risk factor. At the same time it＇s found that P2 P online lending literacy in Xiangyang City is low; that there are less residents who are familiar with P2 P online lending; and that the business efficiency of online lending platform,service quality,normal operation,the rate of bad debts,especially,the risk control measures have been given great concern by the residents in Xiangyang city.
出处
《征信》
2017年第11期58-65,共8页
Credit Reference
基金
襄阳市科技计划及成果转化项目(201612)
长江师范学院科研资助项目(20170037)
关键词
P2P网络创新借贷
探索性因子分析
神经网络
回归分析
P2P online lending
innovative lending
exploratory factor analysis
neural network
regression analysis
