Abstract: Based on the data of 2017, factor analysis method was used to comprehensively evaluate the development of P2P online loan in various regions of China, and the regional distribution characteristics were analyzed On this basis, whether there are significant differences in the development of P2P online loan in different regions was tested The index system was constructed from the aspects of talents, asset end risk control ability, capital end credit improvement means, marketing mode and main customer groups, etc, and the orderly multi-classification logistic regression model was established to analyze the influencing factors of regional differences The results show that there are regional differences in the development of P2P online loan in China, which present the characteristics of regional agglomeration of high value to high value and low value to low value Its regional differential development is affected by the five aspects mentioned above Finally, it provides reference for the development and management of regional P2P online loan.

Key words: P2P online loan, regional difference, orderly multi-classification regression model, influencing factor