文献类型：期刊文献

英文题名：Risk Identification and Decision Making for P2P Companies: An Empirical Study in the Bohai Coast Regions

作者：Ma, Liyi[1];Li, Yingxia[1];Li, Dandan[1];Li, Hui[1];Wang, Yane[1];Ren, Chengmei[1]

第一作者：马丽仪

通讯作者：Ma, LY[1]

机构：[1]Beijing Union Univ, Sch Management, Beijing 100010, Peoples R China

第一机构：北京联合大学管理学院

通讯机构：[1]corresponding author), Beijing Union Univ, Sch Management, Beijing 100010, Peoples R China.|[1141755]北京联合大学管理学院;[11417]北京联合大学;

年份：2020

卷号：106

期号：sp1

起止页码：191-196

外文期刊名：JOURNAL OF COASTAL RESEARCH

收录：;Scopus(收录号：2-s2.0-85088702651);WOS:【SSCI(收录号:WOS:000550684000045)，SCI-EXPANDED(收录号:WOS:000550684000045)】；

基金：The authors thank for the supports from the Humanities and Social Sciences Fund Project of the Ministry of Education (Research on the Risk Evolution and Control System of High-tech Industry Cluster from the Perspective of Cluster Network Structure, 15YJCZH114), Beijing Social Science Foundation Project (Research on the Cultivation of Core Information Technology Industry in Beijing, 18GLB028), and Premium Funding Project for Academic Human Resources Development in Beijing Union University(BPHR2017CS17, SK50201903).

语种：英文

外文关键词：P2P online lending platforms; risk identification model; logistic regression

摘要：This paper takes risk identification and risk profiling of new types of peer-to-peer (P2P) companies as the theme, efficiently integrates multidimensional variables, and builds a corporate risk identification model. On the basis of this model, it describes the risk profiling of P2P companies, thereby helping investors better identify corporate risks and reduce potential loss. This paper takes the data of 633 P2P platforms in the Bohai Coast regions extracted from the two authoritative websites of Wdzj and Tianyancha as examples, uses logistic regression models to analyze 16 variables in five dimensions, and draws the following conclusions: change log and platform transfer fees are significantly positively related to platform operating risks; platform background, platform management fees, and automatic bidding are significantly negatively related. Finally, it provides relevant recommendations on how investors choose a platform.