Influencing Factors of Online P2P Lending Success Rate in China

被引：0
|
作者：
Yang Z. [1 ]
Zhang Y. [2 ]
Jia H. [2 ]
机构：
[1] Shanghai Nuclear Engineering Research and Design Institute, Shanghai
[2] School of Information, Central University of Finance and Economics, Beijing
来源：
Zhang, Yanmei (jlzym0309@sina.com) | 2017年 / Springer Science and Business Media Deutschland GmbH卷 / 04期
基金：
中国国家自然科学基金;
关键词：
Bidding record; Influencing factors; Online P2P lending; Success rate;
D O I：
10.1007/s40745-017-0103-6
中图分类号：
学科分类号：
摘要：
The low success rate of lending is the main drawback of development of online P2P lending platforms in China. Based on the theory of social capital, this study analysed the influence factors of success rate of P2P lending platform in China, using social network method and multiple linear regression model. Soft information, such as bidding record, has been creatively employed to study the corresponding topics. Data used in this study comes from the largest online P2P lending platform in China. The results show that: compared with other influence factors, the bidding record has a more significant effect on the success rate, and the users depend more on the social capital; the bidding records reduce the asymmetry of information, and help increasing the success rate of lending and decreasing the cost of online P2P lending. © 2017, Springer-Verlag Berlin Heidelberg.
引用
收藏
页码：289 / 305
页数：16
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