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人人贷作为一种新型借贷,近年来得到广泛的关注。但现有的理论研究都是对人人贷进行定性研究,风险评估作为人人贷的重要部分仍沿用传统借贷的风险评估方法,但由于人人贷的无抵押性及投资者的非专业性,传统借贷中的方法并不适用。本文提出针对人人贷的基于核的信贷风险评估模型,有效地预测贷款的风险和收益率。
As a new type of loan, people’s credit has drawn wide attention in recent years. However, the existing theoretical researches are all about the qualitative research of the loan for all, and the risk assessment as an important part of the loan for everyone still follows the risk assessment method of the traditional loan. However, due to the unsecured loan and the non-professional , The traditional method of borrowing does not apply. This paper proposes a nuclear credit risk assessment model for people-to-people loans, which effectively predicts the risk and return of loans.