P2P 网络借贷职业身份的信贷歧视:基于投资者认知偏差视角

Credit Discrimination on Occupational Identity in P2P Lending: based on the Pespective of Investor's Cognitive Bias

借助"人人贷"网络借贷平台实际交易数据,分析我国P2P网络借贷中借款人职业身份信贷歧视问题,检验互联网金融中"职业身份信贷歧视"的存在性。同时,基于投资者认知偏差的视角,进一步对这种职业身份歧视是否理性进行了实证研究。通过对借款人职业身份差异所致借款成功率差异是否一致的分析表明,对私营企业主身份借款人的信贷歧视属于"理性歧视",对网商身份借款人的信贷歧视属于"非理性歧视"。这种"职业身份歧视"的存在,是源自P2P网贷平台投资者对借款人职业身份的经济特征已有认知而进行的决策行为,并非一种纯粹的社会身份歧视行为。对网商身份借贷人的"非理性歧视"则主要源于投资者对网商身份借款人的认知偏差。

Using the transaction data from RENRENDAI lending platform, this paper analyzes the problem of occupational identity credit discrimination in China＇s P2 P lending and examines the existence of the ＂occupational identity credit discrimination＂ in internet financial. Furthermore, this paper empirically examines whether this kind of occupational identity discrimination is rational or not, based on investor ＇s cognitive bias. Through consistency analysis of whether borrower＇s occupation can cause difference of success rate show that discrimination against private business owners can be deemed as rational, but the discrimination against network merchant can be deemed as irrational. The existence of ＂occupational identity credit discrimination＂ is derived from the investor＇s understanding economic characteristics of the borrower＇s occupational identity rather than purely discrimination against social identity prejudice. The irrational identity discrimination against the network merchant is mainly caused by the investor＇s cognitive bias.