2Lin, M., N. R. Prabhala, and S. Viswanathan. Judging Borrowers by the Company They Keep: Social Networks and Adverse Selection in Online Peer-to-Peer Lending[R]. 2009.
3Klafft, M. Peer to Peer Lending: Auctioning Mirco Credits over the lnternet [R]. Proceedings of the 2008 International Conference on Information Systems, Technology and Management(ICISTM 08), 2008.
4Herzenstein, M., R. L. Andrews, U. M. Dholakia, and E. Lyandres. The Democratization of Personal Consumer Loans? Determinants of Success in Online Peer-to-Peer Lending Communities[R]. 2008.
5Iyer, R., A. I. Khwaja, E. F. P. Luttmer, and K. Shue. Screening in New Credit Markets: Can Individual Lenders Infer Borrower Credit Worthiness in Peer-to-Peer Lending[R]. 2010.
6Ceyhan, S., X.L. Shi, and L. Jure. Dynamics of Bidding in a P2P Lending Service: Effects of Herding and Predicting Loan Success[J]. Social Network Analysis, 2011 ,(2).
7Berkovich, E. Search and Herding Effects in Peer-to-Peer Lending: Evidence from Prosper.Com [J]. Annals of Finance, 2011,7(3).
8Lee. E., and B. Lee. Herding Behavior in Online P2P Lending: An Empirical Investigation [J]. Electronic Commerce Research and Applications, 2012, (11).
9Davis, K.E., and A. Gelpern. Peer-to-Peer Financing for Development Regulating the Intermediaries[R]. 2010.
10Paul, S. Square Pegs in a Round Hole: SEC Regulation of Online Peer-to-Peer Lending and the CFPB Alternative[J]. Yale Journal on Regulation, 2013,30(1 ).