网络借贷平台的信息处理与信用评级效率分析——基于人人贷与Prosper的实证对比检验

发布时间：2018-03-22 04:22

本文选题：网络借贷　切入点：硬信息　出处：《上海经济研究》2017年10期 　论文类型：期刊论文

【摘要】：网络借贷与传统借贷最大的差异就在于对信息的处理,而长尾群体"硬信息"不足只能靠"软信息"来弥补,所以对借款人"软信息"的征集与处理是网络借贷平台运营的关键,基于"软信息"的信用评级机制能够有效的将不同级别的借款人进行甄别,实现借贷市场的分离均衡,从而更加有效的配置资金。通过对人人贷与Prosper平台的实证检验,该文发现人人贷平台的信用评分主要基于借款人的"硬信息",所以平台的利率定价机制缺乏弹性,而Prosper平台则更注重对借款人"软信息"的征集,尤其是基于第三方和社会公开的信用记录更能体现借款人的信用状况,在利率定价中发挥着更为重要的作用。
[Abstract]:The biggest difference between online lending and traditional lending lies in the processing of information, while the shortage of "hard information" in long-tailed groups can only be made up by "soft information". Therefore, the collection and processing of borrowers'"soft information" is the key to the operation of the online lending platform. The credit rating mechanism based on "soft information" can effectively identify different levels of borrowers and realize the separation and equilibrium of the loan market. Through the empirical test of peer-to-peer lending and Prosper platform, this paper finds that the credit rating of peer-to-peer lending platform is mainly based on the "hard information" of the borrower, so the interest rate pricing mechanism of the platform is inelastic. The Prosper platform pays more attention to the "soft information" of the borrower, especially the credit record based on the third party and the public can reflect the borrower's credit status, and plays a more important role in the interest rate pricing.
【作者单位】：西安交通大学经济与金融学院;
【基金】：国家社会科学基金重点项目“互联网金融风险监管研究:理论、制度与方法”(批准编号:14AZD033);国家社会科学基金一般项目“互联网金融信用风险的动态识别、评价与防范研究”(批准编号:14BJY194)的资助
【分类号】：F724.6;F832.4

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