| 互联网金融民营系P2P网贷平台的风险预警 |
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| 引用本文： | 朱清香,王莉.互联网金融民营系P2P网贷平台的风险预警[J].河北大学学报(哲学社会科学版),2016,41(4):123-130. |
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| 作者姓名： | 朱清香 王莉 |
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| 作者单位： | 1河北工业大学 经济管理学院，天津300401；2燕山大学 经济管理学院，河北 秦皇岛066004 |
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| 基金项目： | 河北省社会科学基金项目“大数据背景下河北省互联网金融风险预警体系研究”(HB15GL117),“大数据背景下河北省涉农电子商务P2P网络信贷平台创新模式研究”(HB15GL112) |
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| 摘 要： | 互联网金融P2P网贷平台发展至今，频频出现平台倒闭，P2P网贷平台面临着巨大挑战。以LAPP法的4个维度为基础，以民营系P2P网贷平台风险的特点为立足点，选取20个指标进行实证分析。首先，采用主成分分析法进行降维处理；其次，通过二元Logistic回归分析方法对40家民营系平台构建了T-4、T-3、T-2和T-1期的预警模型；最后，根据模型实证结果对民营系P2P网贷平台提出了相关建议。
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| 关 键 词： | 民营系 P2P网贷平台 风险预警 主成分分析法 二元Logistic回归 |
| 收稿时间： | 2016-05-15 |
Risk Early Warning Research on Internet Finance Department of Private P2P Net Loan Platform |
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| ZHU Qing-xiang;WANG Li.Risk Early Warning Research on Internet Finance Department of Private P2P Net Loan Platform[J].Journal of Hebei University(Philosophy and Social Science),2016,41(4):123-130. |
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| Authors: | ZHU Qing-xiang;WANG Li |
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| Institution: | 1School of Economics and Management, Hebei University of Technology, Tianjin 300401;2 School of Economics and Management, Yanshan University, Qinhuangdao, Hebei 066004, China |
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| Abstract: | Internet P2P net loan platform develops so far, frequently appears the closure of the platform, and is facing enormous challenges. This paper is based on four dimensions of LAPP analysis method, takes the characteristics of the private internet based P2P net loan risk as the standpoint, and selects 20 indicators to do empirical analysis. First, the principal component analysis method is used for dimension reduction; secondly, by using a binary logistic regression analysis of P2P net loan platform, 40 private lines are analyzed to construct the risk warning model of T-4, T-3, T-2 and T-1 period; and finally, according to the empirical results of the model of private based P2P net loan platform the relevant proposals are put forward. |
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| Keywords: | private department P2P net loan platform risk early warning principal component analysis method binary Logistic regression |
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