摘要
P2P网络借贷(Peer to Peer Lending)是近年来从国外引进的小额借贷创新业务。从2006年开始,P2P网络借贷市场在中国得到了很快的发展,然而其一直面临着借贷成功率较低的问题。论文采用人人贷平台的3148条交易数据对个人信息对借贷成功率的影响进行实证分析。实证结果表明,借款人的基本信息对借贷成交结果有着显著的影响,可在一定程度上提高借款人的借贷成功率。
Peer to peer lending are imported from abroad in recent years, rely on micro-lending business innovation. Beginning in 2006, P2P lending market in China has been developing rapidly, but it has been facing the problem of low success rate of borrowing. We choose 3148 lending transactions affecting lending platform success rate of personal information for empirical analysis. The empirical results show that the basic information on the borrower＇s loan deal has a significant impact on the results, can improve the success rate of the borrower＇s loan to a certain extent.
出处
《财务与金融》
2013年第6期13-17,共5页
Accounting and Finance
基金
湖南省中小企业研究基地"中小企业网络融资"项目资助
