基于收入与城市青睐现象的网贷信用认证有效性分析

Analysis on the Effectiveness of Internet Lending Credit Certification Based on Income and City Favor Phenomenon

收入与城市青睐现象在金融借贷市场比较常见,但是有关它们与借贷行为之间关系的研究却较为缺乏。借助人人贷网站平台交易数据,本文研究了两个问题,一是网贷过程中出借人是否对借款人的收入与城市特征表现出特有的青睐现象;二是不断完善的信用认证机制是否有助于改善这种青睐现象带来的借贷匹配效率损失。结果表明,网络借贷确实降低了交易成本和信息不对称性,促进了陌生人之间发生借贷的可能性,同时,信用认证机制的逐步完善,有效地解决了网贷过程中出现的不合理的收入与城市外在标签青睐现象,推动借贷匹配效率进一步提升。

The income and city favor phenomenon is very common during finance lending market,but the research about relationship among them and lending behavior is extremely scarce. Based on transaction data of Renrendai website platform,this paper studies two questions: Firstly,is there an income and city favor phenomenon during lender's decision? Secondly,does the promoting credit certification mechanism improve match efficiency loss due to favor phenomenon? The result shows that internet lending decreases transaction cost and information asymmetry,and promotes lending behavior among strangers,while the advancement of credit certification mechanism can effectively resolve the unreasonable and external tabbed favor phenomenon,and promote the match efficiency enhancement of lending further.