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Risk Prevention of P2P Online Loan Based on the Criteria of Selection of Commercial Bank Loan

This paper empirically tests whether the traditional commercial bank lending selection criteria can help investors effectively reduce lending risk. Establishing Poisson and Logit regression models based on loan data of RenrenDai, the results show that although the borrower who provides proof information according to the commercial bank loan screening criteria makes the investor spend more time to judge, it significantly reduces the number of bidders required to complete the tender, and the probability of default is also lower. This reveals that the traditional commercial bank lending selection criteria still have good applicability in the network lending market, providing investors with an effective information review reference to accurately judge the situation of borrowers, lowering the investment risk as well. Keywords—online peer-to-peer lending; commercial banks; investors; lending platforms