社交朋友网络资本与P2P网贷行为选择研究

被引：10

作者：

李思明 ^{[1
,2
]}

肖忠意 ^{[3
]}

机构：

[1] 中国证监会博士后科研工作站

[2] 中国社会科学院金融研究所博士后科研流动站

[3] 西南政法大学经济学院

来源：

上海金融 | 2016年 / 04期

关键词：

P2P网贷; 社会资本; 信息不对称; 拍拍贷;

D O I：

10.13910/j.cnki.shjr.2016.04.007

中图分类号：

F724.6 [电子贸易、网上贸易]; F832.4 [信贷];

学科分类号：

1201 ; 020204 ;

摘要：

本文研究P2P网贷市场中社交朋友网络资本对借贷结果和违约风险的影响,并利用拍拍贷平台数据进行实证分析。结果表明,借款人在网贷市场中的社交朋友网络资本的质量越高,其借款成功的可能性越大、支付的利率越低且违约的可能性越低。因此,投资人可以根据借款人社交朋友网络资本的质量来判断其信用水平;网贷平台可以通过鼓励用户之间建立高质量的社会网络来缓解市场中的信用信息不对称,从而提高交易效率、降低信用违约风险。

引用

页码：47 / 52

页数：6

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