网贷市场出借意愿:基于拍拍贷用户数据的实证研究

发布时间：2018-06-12 05:32

  本文选题：网贷市场 + 出借意愿　； 参考：《经济与管理评论》2017年04期

【摘要】：网贷市场的繁荣发展依赖于大量出借人的参与。本文基于整合型技术接受与使用模型(UTAUT模型)构建一个网贷市场出借意愿理论模型,考察网贷市场出借意愿的影响因素,并通过拍拍贷用户数据,应用结构方程建模的方法进行实证分析。研究结果表明:绩效期望、努力期望、感知信用和社会影响正向地影响出借意愿。由于网贷市场提供的主要是小额贷款,涉及的金额较小,用户的感知风险对其出借意愿的影响并不明显。
[Abstract]:The prosperity of the online lending market depends on the participation of a large number of lenders. Based on the integrated technology acceptance and usage model (UTAUT model), this paper constructs a theoretical model of the willingness to lend in the network loan market, and investigates the influencing factors of the willingness to lend in the network loan market, and through the PPDAI user data, The method of structural equation modeling is used for empirical analysis. The results show that performance expectation, effort expectation, perceived credit and social impact positively affect lending willingness. Because the net loan market mainly provides small loans, the amount involved is relatively small, the perceived risk of users does not have a significant impact on their willingness to lend.
【作者单位】： 河南工业大学管理学院;
【基金】：国家社会科学基金项目“网上信用风险的群体演化机制与多维防控策略研究”(项目编号:14BGL1)的阶段性研究成果
【分类号】：F724.6;F832.4
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本文编号：2008553