摘要
从语言信息含量和语言内容两个维度探究描述性信息与违约行为之间的联系。实证结果表明:描述性信息的信息量越大,借款人越不容易违约;自我陈述中做出还款承诺(表明自己一定会按时归还)的借款人、谈及自己收入或财产的借款人以及介绍自己家庭的借款人更倾向于履约,而标榜自己诚信可靠(用语言赞美自己拥有"诚信"这一道德品质)并且用以前的借贷记录表现其诚信的借款人更可能会违约。研究结论有助于P2P平台以及投资者识别借款人违约风险,同时丰富了我国的民间小额借贷尤其是P2P领域的研究。
The article explored the relationship between descriptive information and default behaviors from two dimensions as the amount oflanguage information and the content of language.The empirical results show that,the larger the information amount is in descriptiveinformation,the default behaviors are rare to happen.In addition,borrowers,who make promises or talk about their incomes or families,aremore probably to repay on time;borrowers who purport to be in good faith and mention the good credit history to support the integrity image aremore likely to default.The discoveries could help lenders better identify risks when making decisions and the article could also make a positivecontribution to the current research results.
作者
于军
Yu Jun(Business School,University of International Business and Economics,Beijing 100029,China)
出处
《当代经济管理》
CSSCI
2017年第5期86-92,共7页
Contemporary Economic Management
基金
国家自然科学基金项目(71502034)
