目前，P2P已然成为中小企业融资及个人信贷的主要方式之一，作为一种新兴的金融业态，2018 以来P2P平台“爆雷”事件不断，平台整顿蓄势待发。文章使用Lending Club平台数据研究借款人信用等级、贷款期限、贷款与收入比以及借款意图对P2P网贷利率的影响。结果表明：借款人的信用等级直接影响网贷利率，且与其呈负相关。在贷款等级优良的条件下，贷款期限与贷款利率正相关；贷款与收入比与贷款利率正相关；借款用于贷款整合，贷款利率越高。在贷款等级较差的情况下，贷款利率与贷款与收入比正相关；与贷款意图和贷款期限无关。文章拓展了新视角并研究其对贷款利率的影响，基于研究结论对投资者以及被投资者提出合理建议，以提高公众的警惕性以及平台的稳定性 。
At present, P2P has become one of the main ways of financing and personal credit for SMEs. As an emerging financial industry, the P2P platform has been continually exploding since 2018, and the platform is ready for reorganization. The article uses the Lending Club platform data to study the borrower's credit rating, loan term, loan-to-income ratio, and the impact of borrowing intentions on P2P online lending rates. The results show that the credit rating of the borrower directly affects the online loan interest rate and is negatively correlated with it. Secondly, under the condition of excellent loan level, the loan term is positively related to the loan interest rate; the loan -to -income ratio is positively related to the loan interest rate; if the loan is used for loan integration, the interest rate is higher. In the case of a poor loan level, the loan interest rate is positively correlated with the loanto-income ratio; it is not influenced by the loan intention and the loan term. The article expands a new perspective and studies its impact on loan interest rates. Based on the research results, reasonable suggestions are put forward to investors and investees to improve public vigilance and platform stability.
