P2P網貸借款人信用評等影響因素分析

The Analysis of Influencing Factors for Borrower’s Credit Rating of P2P Lending

本研究以國內3 家P2P 網貸網站為取樣進行資料蒐集，樣本期間為2016 年至2017年，國內合計共291 筆研究樣本，分成4 組（申貸金額、性別、年齡、收入）實證比較，並使用Ordered Probit 模型分析。實證結果發現貸款期數長、擁有不動產、高教育程度、年資長以及信用卡持卡多者可能有助於信用評等提升效應；高貸款利率、女性和高年齡則可能對信用評等有降低的影響。P2P 網貸提供小額借貸者及信用不足者，獲得資金的機會。亦能增加經濟動能和促使金流移動效果，且有助於普惠金融的發展。

This research collected data from three domestic P2P lending websites. The sample period was from 2016 to 2017, and the total sample size was 291. This paper used the Ordered Probit model and subdivided it into four groups (i.e., credit amount, gender, age, and income) for empirically cross-analysis comparison. The empirical results found that the long period of the loan, the property owner, high education, long years of working experience, and the holder of credit cards may help to upgrade credit rating. The factors such as high interest rate, female, and elders may downgrade credit rating. P2P Lending makes small loans, and borrowers with insufficient credit have more opportunities to obtain the funds. It also enhances economic growth, promotes the payment flow, and contributes to the development of inclusive finance.