【摘要】：近年來(lái),隨著P2P網(wǎng)絡(luò)借貸在我國(guó)的快速發(fā)展,借貸關(guān)系中的歧視現(xiàn)象開(kāi)始受到關(guān)注。本文利用P2P網(wǎng)絡(luò)借貸平臺(tái)"人人貸"的數(shù)據(jù),從借貸雙方的角度出發(fā),對(duì)P2P網(wǎng)絡(luò)借貸中的婚姻歧視現(xiàn)象進(jìn)行實(shí)證研究。結(jié)果表明:P2P網(wǎng)絡(luò)借貸中存在貸款人對(duì)借款人的婚姻歧視,表現(xiàn)為已婚借款人的借款成功率顯著為高,離異借款人的借款成功率顯著為低;借款人受到婚姻歧視的影響,在發(fā)布借款訂單時(shí),已婚借款人設(shè)定的借款利率顯著為低,離異借款人設(shè)定的借款利率顯著為高。進(jìn)一步對(duì)婚姻歧視的異質(zhì)性進(jìn)行研究,發(fā)現(xiàn)婚姻狀態(tài)對(duì)不同信用等級(jí)、學(xué)歷、收入、地區(qū)、資產(chǎn)、借款期限借款人的影響各不相同。
[Abstract]:In recent years, with the rapid development of P2P network lending in China, the discrimination in lending relationship has been paid attention to. This paper makes an empirical study on marriage discrimination in P2P network lending from the perspective of both sides by using the data of P2P network lending platform "everyone loan". The results show that: (1) there is a marriage discrimination between the lender and the borrower in P2P network lending, which shows that the successful rate of the married borrower is significantly higher than that of the divorced borrower, and the loan success rate of the divorced borrower is significantly lower; The borrower is affected by marriage discrimination. When issuing the loan order, the interest rate set by the married borrower is significantly lower, and the interest rate set by the divorced borrower is significantly higher than that set by the divorced borrower. Further research on the heterogeneity of marital discrimination shows that the effects of marital status on borrowers with different credit grades, academic qualifications, income, regions, assets and borrowing maturity are different.
【作者單位】： 南京大學(xué)商學(xué)院;
【基金】：國(guó)家自然科學(xué)基金資助項(xiàng)目(71301072) 國(guó)家社會(huì)科學(xué)基金重大項(xiàng)目(14ZDA043) 江蘇2011計(jì)劃區(qū)域經(jīng)濟(jì)轉(zhuǎn)型與管理變革協(xié)同創(chuàng)新中心重大招標(biāo)課題(2015-11)
【分類(lèi)號(hào)】：F724.6;F832.4

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本文編號(hào)：2439812