International Journal of Science and Research (IJSR)

International Journal of Science and Research (IJSR)
Open Access | Fully Refereed | Peer Reviewed

ISSN: 2319-7064


Downloads: 81

Research Paper | Economics & Management | China | Volume 6 Issue 4, April 2017


Research on the Influencing Factors of the Lenders Lending Behavior in China's P2P Network Lending

Zhang Weihong, Wang Kecheng, Wang Xinmeng


Abstract: This paper takes the lenders lending behavior inP2P network lending as the research object, innovatively uses the theory of perceived value to establishes the theoretical model of the influence of the related factors on the loan application, uses logistic regression model and two-step cluster method as the analysis tools, to analyze the effect and mechanism of related factors on the success of loan application, then puts forward relevant suggestions on P2P network lending transactions. The study found that 1. Loan success rate in PPDAI is low, only 29.65 %.2. Borrowing rates, special type of bid, posting photo, the success and failing times of the loan all have important impacts on the success of loan, the amount of loan has little impact on the success of loan.3. The factors such as lending credit, posting photo, the success and failing times of the loan, etc. are the most important factors for the clustering results.


Keywords: P2P network lending, perceived value theory, lending behavior, logistic regression analysis


Edition: Volume 6 Issue 4, April 2017,


Pages: 1449 - 1462


How to Cite this Article?

Zhang Weihong, Wang Kecheng, Wang Xinmeng, "Research on the Influencing Factors of the Lenders Lending Behavior in China's P2P Network Lending", International Journal of Science and Research (IJSR), https://www.ijsr.net/get_abstract.php?paper_id=16041703, Volume 6 Issue 4, April 2017, 1449 - 1462

How to Share this Article?

Enter Your Email Address


Similar Articles with Keyword 'P2P'

Downloads: 104

Research Paper, Economics & Management, China, Volume 6 Issue 1, January 2017

Pages: 1329 - 1332

Research on the Relationship between P2P Lending Platform and the Development of Small-Micro Enterprise in China

Zhaoyang Feng, Xin Hu

Share this Article

Downloads: 144

Research Paper, Economics & Management, China, Volume 8 Issue 6, June 2019

Pages: 1063 - 1068

Research on Innovation of Small and Micro Enterprise Financing Model under the Background of Internet Finance

Wei Xiao, Wang Tao

Share this Article

Similar Articles with Keyword 'network'

Downloads: 133

Research Paper, Economics & Management, China, Volume 6 Issue 1, January 2017

Pages: 956 - 960

Evaluation on the Competitiveness of Chinese Online Peer-to-Peer Lending Platform Based on Back Propagation Artificial Neural Network

Cao Yimei, Long Jiancheng

Share this Article

Downloads: 133 | Monthly Hits: ⮙1

Research Paper, Economics & Management, China, Volume 8 Issue 4, April 2019

Pages: 1221 - 1225

Research on Internet Financial Risk Management under the Background of Big Data

Li Gaojian

Share this Article

Similar Articles with Keyword 'lending'

Downloads: 104

Research Paper, Economics & Management, China, Volume 6 Issue 1, January 2017

Pages: 1329 - 1332

Research on the Relationship between P2P Lending Platform and the Development of Small-Micro Enterprise in China

Zhaoyang Feng, Xin Hu

Share this Article

Downloads: 133

Research Paper, Economics & Management, China, Volume 6 Issue 1, January 2017

Pages: 956 - 960

Evaluation on the Competitiveness of Chinese Online Peer-to-Peer Lending Platform Based on Back Propagation Artificial Neural Network

Cao Yimei, Long Jiancheng

Share this Article

Similar Articles with Keyword 'value'

Downloads: 32

Research Paper, Economics & Management, Indonesia, Volume 10 Issue 2, February 2021

Pages: 1549 - 1557

Analysis of Export Determinants and Competitiveness of Indonesian Vanilla in the Period 2008-2019

Eka Nurjati

Share this Article

Downloads: 72

Research Paper, Economics & Management, Indonesia, Volume 9 Issue 7, July 2020

Pages: 1834 - 1841

Customer Service Perspectives and their Impacts on the Performance of Training Institutions in Indonesia

Koes Indrati, Bambang Tri Cahyono, Endang Siswati

Share this Article

Similar Articles with Keyword 'theory'

Downloads: 80

Research Paper, Economics & Management, China, Volume 8 Issue 8, August 2019

Pages: 2029 - 2034

Xian Tourism Research Based on TCP Theory

Li Yizhe, Wen Xiaoni

Share this Article

Downloads: 104

Research Paper, Economics & Management, China, Volume 6 Issue 1, January 2017

Pages: 1329 - 1332

Research on the Relationship between P2P Lending Platform and the Development of Small-Micro Enterprise in China

Zhaoyang Feng, Xin Hu

Share this Article
Top