中国P2P网贷的信任模型及实证研究

发布时间：2018-01-16 10:38

本文关键词：中国P2P网贷的信任模型及实证研究　出处：《上海对外经贸大学学报》2017年03期 　论文类型：期刊论文

【摘要】：P2P网贷是近几年兴起的一种新型民间借贷模式,作为传统银行借贷的一个补充,P2P网贷的发展必须建立在投资者信任的基础上。该文首先基于P2P网贷的现状和信任理论建立P2P网贷的信任模型。然后遴选国内105家网贷平台的1072条网络借贷的数据进行实证研究,发现我国P2P网贷的投资者对网络借贷的信任首先是基于对平台的信任,其次才是对借款人的信任。平台的背景、资本实力、上线时间和抵押担保方式等均显著影响利率。借款人身份、借款期限、借款金额等对借款利率也产生影响。
[Abstract]:P2P network loan is a new type of private lending model which has emerged in recent years as a supplement to traditional bank lending. The development of P2P network loan must be built on the basis of investor trust. Firstly, based on the status quo of P2P network loan and trust theory, the trust model of P2P network loan is established. Then, the trust model of 105 domestic network loan platforms is selected. An empirical study of 1072 online lending data is carried out. It is found that the trust of Chinese P2P network loan investors to the network loan is based on the trust of the platform, the second is the trust of the borrower, the background of the platform, the capital strength. The starting time and the way of mortgage guarantee have significant influence on the interest rate. The identity of the borrower, the term of the loan and the amount of the loan also affect the interest rate of the loan.
【作者单位】：上海对外经贸大学;
【基金】：国家自然科学基金资助项目“普惠金融体系下P2P网络借贷平台的组织生存机理研究”(71303153) 上海市教育委员会科研创新重点项目“基于全球价值链视角的中美银行业国际竞争力实证研究”(14ZS149);上海市教育委员会全英语示范性课程“Risk Management of Commercial Banks”;上海市教育委员会重点课程“商业银行经营管理” 上海对外经贸大学中东欧研究中心项目资助
【分类号】：F724.6;F832.4
【正文快照】： 一、引言根据最高人民法院《关于审理民间借贷案件适用法律若干问题的规定》,民间借贷自2015年9月1日起施行24%和36%两线三区的规定。由于当前我国网贷平台的利率水平基本不超过36%,而2015年网贷行业平均利率仅12.05%并有下降趋势,故可以认为当前我国P2P网贷利率决定是市场化

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