基于社会认知理论的P2P网贷平台声誉风险管理路径研究

Research on Reputation Risk Management of Online P2P Lending Based on Social Cognitive Theory

论文在文献研究的基础上,结合社会认知理论建构P2P网贷平台声誉风险管理理论模型,运用结构方程模型对P2P网贷平台声誉风险管理的作用路径进行实证分析。研究结果表明:金融监管对计算机自我效能、P2P网贷平台信息披露和风险管理架构的影响显著;信息披露与P2P网贷平台声誉风险管理存在显著的正相关性;计算机自我效能与P2P网贷平台声誉风险管理无显著相关性。

On the basis of literature research as well as social cognitive theory, the P2P network lending reputation risk management model is constructed. After identifying the key factors influencing reputation risk management of online P2P lending business, the author uses structural equation modeling to perform hypothesis testing and path analysis of reputation risk management’s effects. Results shows ’financial supervision’ has significant effect on ’computer self-efficacy’, ’information disclosure’ and ’risk management framework’. There is a significant positive correlation between ’information disclosure’ and ’reputation risk management’, while there is no significant correlation between ’Computer self-efficacy’ and ’reputation risk management’.