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Study of the Prediction of Micro-Loan Default Based on Logit Model

机译：基于Logit模型的小额贷款违约预测研究

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摘要

With the development of network, there are more and more online loan platforms, such as LendingClub, which is a popular short-term micro-loans network platform. Since the risks of loan default have a great influence on the capital security and financial order, it is necessary to build a model which can help estimate the risk of loan before making decisions, and this paper achieved this by using Logit model. Using the Logit model for the regression analysis of data provided by LendingClub platform, this study determined the main factors affecting default risks, and got a model which can be used to check default risks of borrowers in advance. The results include the accuracy index of the model and the visualization of the relationship between the main factors, which can be used to deeper seek for the reason of loan default and put forward some improvements to the model.
机译：随着网络的发展，越来越多的在线贷款平台，例如LendingClub，是一种流行的短期小额贷款网络平台。由于贷款违约风险对资本安全和财务秩序有很大影响，因此有必要建立一个可以在做出决策之前估算贷款风险的模型，本文采用Logit模型来实现。本研究利用Logit模型对LendingClub平台提供的数据进行回归分析，确定了影响违约风险的主要因素，并得到了可用于提前检查借款人违约风险的模型。结果包括模型的准确度指标和主要因素之间关系的可视化，可用于深入研究贷款违约原因，并对模型进行一些改进。

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