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随着中国利率市场化改革的不断深入,以及经济下行压力和平台合规成本的上升等因素的影响,国内网贷行业综合利率持续下降。影响P2P平台日成交量变化的因素有哪些?这些因素与日成交量的变化有怎样的关联?以陆金服平台数据分析利率与日成交量的相关关系,通过建立多元线性回归模型实证分析,发现:投资人数、借款人数和平均借款期限对日成交量具有显著正相关关系;借款利率与日成交量具有分段相关性,利率处于较高水平时,其与日成交量具有较低的正向相关性,利率处于较低水平时,其与日成交量具有显著的负相关关系;因此不同的时期应重点关注不同的影响因素,促进网贷平台健康可持续发展。
With the deepening of the market-based interest rate reform in China and the impact of the economic downturn and the rising compliance costs of the platform, the overall interest rate of the domestic net loan industry continued to decline. What are the factors that affect the daily trading volume of P2P platform? What are the factors associated with the changes in daily trading volume? By analyzing the correlation between interest rate and daily trading volume on the platform data of Luk Fook service, by establishing the empirical analysis of multivariate linear regression model, It is found that the number of investors, the number of borrowers and the average term of borrowings have a significant positive correlation with the daily trading volume. The borrowing interest rate has a piecewise correlation with the daily trading volume. When the interest rate is at a high level, it has a lower positive correlation with the daily trading volume To the relevance, the interest rate is at a low level, it has a significant negative correlation with the daily trading volume; therefore, different periods should focus on different influencing factors and promote the healthy and sustainable development of the online loan platform.