基于互联网科技的网贷用户出借行为研究

Research on lending behavior of Internet loan users based on Internet technology

随着网贷平台的快速发展,近年来众多学者、投资者们对这一领域展开了不同层次的研究。文章首先对国内外P2P研究现状进行了分析,接着从借贷交易行为、羊群行为、信任行为等视角出发,对P2P网络借贷用户行为进行了梳理,最后从硬信息、软信息视角出发对P2P网络借贷影响因素进行了梳理,以期为规范我国网贷平台用户出借行为有所启示和作用。

With the rapid development of online loan platforms,many scholars and investors have conducted different levels of research in this field in recent years.This article first analyses the P2P research status at home and abroad,then from lending transaction behavior,herd behavior and trust behavior Angle,it generalizes the user behavior of P2P loans.Finally from the hard and soft information,this paper combs the influencing factors of P2P network lending,with a view to enlighten and play an important role in regulating the lending behavior of users on the Internet loan platform in China.