贷款人伦理对在线P2P借贷的贷款意向影响研究

发布时间：2024-05-18 11:35

　　P2P在线借贷是没有传统金融机构中介的在线创新贷款和投资。在以前的研究中,研究人员研究了影响贷款人决策的因素,包括贷款人的人口特征,从众行为等几个方面。然而,很少有从伦理道德方面对在线P2P借贷进行的研究。因此,本研究的目的在于探索和开发综合模型,通过将信任用作中介因素,检验P2P在线贷款人的伦理道德对他们借贷意向的影响,并确定影响贷方伦理道德与借贷意向之间关系的因素(借款人的人口特征和预期风险)为了检验伦理道德的影响,本研究运用道德决策模型和网络信任模型开发了一个综合模型。由测量量表组成的问卷是在P2P借贷和电子商务的背景下根据和发展目前的研究而形成。在线研究样本是从412个有效样本中收集的,这些样本经常使用网上银行,进行网上交易或有使用在线P2P借贷的经验。收集问卷后,我们将使用SPSS 22(社会科学统计软件包)通过使用描述统计中的频率和百分比来识别样本的特征。和用SEM的Amos22来测试模型和分析数据。结果表明,社会共识,接近度和道德哲学对借款人的信任有显著的积极影响。同样,借款人的信任度也对贷款人的借款意向有明显的正面影响。然而,感知伦理对借款人的信任度并没有明显影响。本研...

【文章页数】：97 页

【学位级别】：硕士

【文章目录】：
摘要
Abstract
Chapter 1 Introduction
    1.1 Introduction
    1.2 Significance of the study
    1.3 Research questions
    1.4 Research objectives
    1.5 Technology roadmap
    1.6 Definition of key terms
Chapter 2 Literature review
    2.1 Online Peer-to-Peer )P2P( lending
        2.1.1 Definition of online P2P lending
        2.1.2 Influencing factors on online P2P lending
        2.1.3 Trust and lender’s lending intention in online P2P lending
    2.2 Ethics
        2.2.1 Definition of Ethics
        2.2.2 Ethics and Factors influence on Ethics
        2.2.3 Ethics and Culture
    2.3 Trust
        2.3.1 Definition of trust
        2.3.2 Factors influence on trust
    2.4 The relationship between ethics and trust
    2.5 Theory and Model
        2.5.1 Ethical Decision Making
        2.5.2 Web Trust Model(McKnight, Choudhury, & Kacmar, 2002)
Chapter 3 Conceptual framework and hypotheses
    3.1 Ethics in lender and lenders’ trust in borrower
    3.2 Demographics of Borrower
    3.3 Lenders’ trust in borrower and lenders’ lending intention
    3.4 Perceived risk
Chapter 4 Research methodology
    4.1 Participants
    4.2 Design
    4.3 Measure
    4.4 Pilot test
        4.4.1 Content validity
        4.4.2 Reliability
        4.4.3 Kaiser-Mayer-Olkin and Bartlett's test
    4.5 Data analysis
Chapter 5 Data analysis and Results
    5.1 Descriptive Analysis
    5.2 Structural Equation modeling
        5.2.1 Measurement model
        5.2.2 Structural Model
    5.3 Hypothesis testing
    5.4 Modified model
Chapter 6 Discussion and Conclusions
    6.1 Major research findings
    6.2 Practical Implications
    6.3 Conclusions
    6.4 Limitations and Future research
Reference
Appendix A The result of mediator test
Appendix B The result of modified full SEM
Appendix C Questionnaire
硕士学位期间取得的研究成果
Acknowledgements
附件



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