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P2P借款描述语言特征与借贷行为研究

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摘要 本文利用国内某大型P2P网贷平台A公司2010年~2015年的交易数据,从借款描述的语言特征角度出发,探讨了借款描述的语言用词特点和语言长度对借贷行为的影响。实证表明,语言具体程度与审核通过率和如约还清率均呈显著正相关关系;语言情感积极程度与审核通过率呈显著正相关关系,与如约还清率呈显著负相关;而语言难读程度、语言长度与审核通过率和如约还清率均呈显著负相关关系。
作者 岳磊磊 熊格
出处 《全国流通经济》 2017年第36期68-70,共3页 China Circulation Economy
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