P2P网络借贷中贷款人的羊群行为研究
毕业论文关键词：P2P借贷；羊群行为；Logistic回归分析
Research on Herd Behavior of the Lender in Chinese P2P Market A Case Study of “paipaidai”
Abstract: With Chinese private lending getting active, P2P network lending gradually develops. At the same time, the risk exposes. It is of practical significance to study the herd behavior of lenders in P2P network borrowing systematically. This paper will sort all the variables into four categories, including 11 independent variables and then based on 1019 different borrowers of the current borrowing project data of "paipaidai" , construct the Logistic regression model to analyses the current number of bids on the possibility of subsequent bidding. It is found that the current number of bids have a significant positive impact on the possibility of subsequent bidding .As a result,It proves the existence of herding behavior in P2P network borrowing platform. Therefore, it is necessary to improve the credit information system, reduce the information asymmetry of the P2P network borrowing platform, and avoid the threat of the herd behavior on the network borrowing platform.
Key words:P2P lending；the herd behavior; Logistic regression analysis
目录
摘要 1
关键词 1
Abstract 1
Key words 1
一、引言 2
二、相关理论文献综述 2
(一) 相关基础理论概述 2
1.羊群行为的概念 2
2.羊群行为的相关理论 2
（1）基于不完全信息理论的羊群行为 2
（2）基于声誉的羊群行为 3
3.伪羊群行为 3
（二）P2P借贷中羊群行为的相关研究 4
（三）羊群行为的估计方法介绍 4
三、研究设计 5
（一）验证方法的选择 5
（二）变量的选择 5
（三）模型的构建 5
（四）数据的描述与统计 6
四、实证分析与研究 8
（一）模型的检验 8
1.有效性检验 8
2.多重共线性检验 8
（二）实证结果分析及解释 9
（三）稳健性检验 10
五、研究结论与建议 11
（一）对投资者的建议 11
（二）对政府及平台的建议 11
致谢 11
参考文献 11
P2P网络借贷中贷款人的羊群行为研究以“拍拍贷”为例
一、引言
近年来，互联网金融的快速发展催生了一系列民间借贷的新形式，P2P网络借贷也应运而生，这种新型的借贷形式能够有效改善民间借贷资金匮乏的问题。由于小微企业主、大学生、工薪阶层等很难从金融中介机构获得足额贷款，因此这种借贷方式受到了以上人群的欢迎。