居民选择P2P网贷产品影响因素的实证分析——以襄阳市为例
文章摘要：本文以襄阳市市民为例，从投资人的角度出发，运用探索性因子分析、双隐含层神经网络模型、逐步回归模型探究P2P网络创新借贷中投资者投资的影响因素。结果显示P2P创新网贷的三大类影响因素为：投资可靠性因素、投资便利性因素和投资风险因素；同时发现襄阳市P2P网络借贷普及度低，居民熟悉度不高；网贷平台业务处理效率、服务质量、操作规范、坏账率特别是风控措施受到襄阳市居民的高度重视。
Abstract:This paper explored the influencing factors of residents choosing P2P net loan products from the perspective of investor in Xiangyang by exploratory factor analysis，double hidden layer neural network model，stepwise regression model.The result showed that investment reliability factor，factor of investment convenience and investment risk were three factors in choosing P2P net loan products.The P2P net loan penetration was low；reside... 展开
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