期刊名称：American Journal of Industrial and Business Management
印刷版ISSN：2164-5167
电子版ISSN：2164-5175
出版年度：2018
卷号：08
期号：05
页码：1344-1357
DOI：10.4236/ajibm.2018.85091
语种：English
出版社：Scientific Research Publishing
摘要：We take 2259 P2P Lending platforms as the sample, and integrate 14 variables from five dimensions to analyze the risk factors of P2P Lending problematic platforms by binary logistic model. The empirical results show that the 11 variables which are the type of company, platform background, operation time, the type of project, interest rate, fund custody, term of loan , day-bid, transfer of creditor’s rights, automatic bidding and information disclosure, have significant influence s on the operating status of the platform, while the other variables such as registered capital, the number of employees and security mechanism have no obvious impact on the operating status of the platform. The results provide a reference for investors and regulators.
