發(fā)布時間：2018-10-20 14:20

【摘要】：網(wǎng)絡(luò)借貸(P2P借貸)是微金融運(yùn)營模式的創(chuàng)新,主要用于滿足小微企業(yè)及個人的小額貸款需求。該市場的健康發(fā)展有賴于大量出借人的參與。為了更好地了解出借行為,本文以拍拍貸網(wǎng)站用戶為研究對象,分析信任和感知風(fēng)險對出借意愿的影響及前導(dǎo)因素。研究結(jié)果發(fā)現(xiàn),出借意愿主要受到信任的影響;感知風(fēng)險會影響信任,但是不會對出借意愿產(chǎn)生顯著影響。而信任又受到借款者社會資本以及借款請求信息質(zhì)量的顯著影響。出借者主要為風(fēng)險偏好人群,他們對利潤的追求甚于對風(fēng)險的考量。出借者的投資風(fēng)險來自多個方面,不完善的交易平臺保障體系和網(wǎng)絡(luò)借貸可能涉及的法律問題會嚴(yán)重地影響潛在出借者的不安全感和交易信心,嚴(yán)重阻礙網(wǎng)絡(luò)借貸市場的進(jìn)一步發(fā)展。上述結(jié)果表明,網(wǎng)絡(luò)借貸市場的投資行為有其內(nèi)在特征,以網(wǎng)絡(luò)購物為基礎(chǔ)的傳統(tǒng)電子商務(wù)領(lǐng)域的研究成果在網(wǎng)絡(luò)借貸市場中并不完全適用。
[Abstract]:Network lending (P2P lending) is an innovation of microfinance, which is mainly used to meet the demand of microenterprises and individuals. The healthy development of the market depends on the involvement of a large number of lenders. In order to better understand the lending behavior, this paper takes PPDAI website users as the research object, analyzes the influence of trust and perceived risk on lending willingness and leading factors. The results show that the willingness to lend is mainly affected by trust; perceived risk will affect trust, but will not have a significant impact on the willingness to lend. Trust, in turn, is significantly affected by the borrower's social capital and the quality of information on loan requests. Lenders are mainly risk appetite groups, who seek profit more than risk. The investment risk of the lender comes from many aspects. The imperfect trading platform security system and the legal problems that may be involved in the online lending will seriously affect the insecurity and trading confidence of the potential lender. A serious obstacle to the further development of the network lending market. The above results show that the investment behavior of the online lending market has its inherent characteristics, and the traditional e-commerce research results based on the online shopping are not fully applicable in the online lending market.
【作者單位】： 蘇州大學(xué)東吳商學(xué)院;西南財經(jīng)大學(xué)經(jīng)濟(jì)信息工程學(xué)院;
【基金】：教育部人文社會科學(xué)研究項目(10YJCZH007) 國家自然科學(xué)基金項目(71302008;71302186) 國家社會科學(xué)基金重點(diǎn)項目(11AZD077)
【分類號】：F724.6;F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前2條

1 陳明亮;汪貴浦;鄧生宇;孫元;;初始網(wǎng)絡(luò)信任和持續(xù)網(wǎng)絡(luò)信任形成與作用機(jī)制比較[J];科研管理;2008年05期

2 喬蓓;宋合義;衛(wèi)剛;;基于消費(fèi)者感知的企業(yè)信譽(yù)重構(gòu)影響因素實(shí)證研究[J];管理評論;2012年05期

【共引文獻(xiàn)】

相關(guān)期刊論文 前10條

1 黃麗s，

本文編號：2283432