Abstract
Online Pear-to-Pear lending has developed rapidly recently. In this article, an empirical study was conducted by using public dataset from Paipaidai, the largest online P2P lending in China. We analyze the factors that determine the probability of obtaining the loan in online P2P lending. The result indicates that annual interest rate, repayment period, description, credit grade, successful loan number, failed loan number, gender, and borrowed credit score are significant factors to loan funded successful on Paipaidai platform.
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