互联网金融民营系P2P网贷平台的风险预警

doi:10.3969/j.issn.1005-6378.2016.04.017

河北大学学报(哲学社会科学版) ›› 2016, Vol. 41 ›› Issue (4): 123-130.DOI: 10.3969/j.issn.1005-6378.2016.04.017

互联网金融民营系P2P网贷平台的风险预警

朱清香¹²，王莉²

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

收稿日期:2016-05-15 出版日期:2016-07-25 发布日期:2016-07-25
作者简介:朱清香（1962—），女，黑龙江宝清人，河北工业大学经济管理学院教授，燕山大学经济管理学院硕士研究生导师，主要研究方向：财务管理、互联网金融。
基金资助:
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）

Risk Early Warning Research on Internet Finance Department of Private P2P Net Loan Platform

ZHU Qing xiang, WANG Li

¹School of Economics and Management, Hebei University of Technology, Tianjin 300401;² School of Economics and Management, Yanshan University, Qinhuangdao, Hebei 066004, China

Received:2016-05-15 Online:2016-07-25 Published:2016-07-25

摘要/Abstract

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。

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

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.

Key words: private department, P2P net loan platform, risk early warning, principal component analysis method, binary Logistic regression

中图分类号:

F832

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.

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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互联网金融民营系P2P网贷平台的风险预警

Risk Early Warning Research on Internet Finance Department of Private P2P Net Loan Platform

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