探索校园网贷平台可持续性发展的路径

To Explore the Campus Network Platform the Path of Sustainable Development

摘要: 随着P2P网贷平台的不断兴起与发展，校园网贷平台也在全国高校中蓬勃发展，并受到了大学生这一特殊消费群体的热捧。本文研究了校园网贷风险分析及防范措施。本文根据“贝才网”网站上收集到的大学生的若干数据，参考P2P网站平台个人风险评估体系指标的选取，再结合大学生自身的特点，选取大学生所在地、性别、在读学校等个人信息；借款金额、借款期限等借贷信息，通过数据处理、分类、量化的方法，建立模型并同时运用信息增益以及Woe值引入进行Logistic回归，再根据网站发布的部分信息进行验证，结果说明该模型适用于对大学生进行风险评估。本文最后根据Logistic回归得到的结果，对校园网贷平台借款大学生信用评估体系提出改进意见。

Abstract: With the P2P network loan platform for the continuous rise and development, the campus network loan platform is also flourishing in the national universities, and by the students of this special consumer group’s blitz. This paper intends to study the campus network loan risk analysis and preventive measures. In this paper, according to the data collected on the website of “Bei-cai”, the author selects the personal risk assessment system index of peer-to-peer website platform, then combines the characteristics of university students to choose personal information such as the location, gender, borrowing period and other borrowing information, through data processing, classification, quantification method, the establishment of model and the use of information gain and Woe value of the introduction of Logistic regression, get better results and conclusions. And then according to the site to publish some of the information to verify, get the test results, and get the results of the model echoes. At the end of this paper, based on the conclusion of Logistic regression, the paper puts forward some suggestions on the improvement of college students’ credit evaluation system.