借款额度、融资者异质性与借贷成功率——来自P2P平台“人人贷”的经验证据

发布时间：2018-01-28 01:16

本文关键词： 借款额度异质性 PP借贷从业经历受教育程度　出处：《北京工商大学学报(社会科学版)》2017年04期 　论文类型：期刊论文

【摘要】：从业经历与教育背景作为两项代表内在能力特质的重要指标,能够反映出融资者从小到大的人生态度,"锱铢必较"更是反映了一种自古至今的经济学态度,因此借款额度与以从业经历、学历为代表的融资者异质性对于融资者申贷结果起到了不可忽视的作用。运用P2P平台"人人贷"2010年10月—2015年1月的借款数据,采用Probit模型、Logit模型等方法对P2P市场中借款额度、融资者异质性和借贷成功率三者间的关系进行了实证研究,发现借款额度的二次项与借贷成功率呈现显著的负相关关系,而丰富的工作经验与高等教育程度能够在一定程度上减少前者的负效应。上述结论表明,融资者在申贷时需要审慎地确定借款金额,平台在对异质融资者区别对待的同时,学校教育与社会实践需要进一步强化。
[Abstract]:Employment experience and educational background as two important indicators representing the inherent ability characteristics, can reflect the life attitude of financiers from small to large, "haggling pennies" is also a reflection of an economic attitude from ancient times to now. So the amount of money borrowed and the experience. The heterogeneity of the financiers represented by the academic background plays an important role in the loan application results of the financiers. Using the loan data from October 2010 to January 2015 of peer-to-peer lending, a P2P platform. Using the Probit model and logit model, this paper makes an empirical study on the relationship among the loan quota, the heterogeneity of the financiers and the loan success rate in the P2P market. It is found that there is a significant negative correlation between the second term of loan amount and the success rate of loan, while the rich work experience and the degree of higher education can reduce the negative effect of the former to some extent. When applying for loans, the financiers need to determine the loan amount carefully, while the platform treats the heterogeneous financiers differently, and the school education and social practice need to be further strengthened.
【作者单位】：南京大学商学院;
【基金】：国家社会科学基金重大项目“互联网金融的发展、风险与监管研究”(14ZDA043) 中国特色社会主义经济建设协同创新中心和江苏省优势学科建设工程项目(PAPD2014)
【分类号】：F724.6;F832.4
【正文快照】： 一、问题的提出我国自古以来一直是民间金融发展相当活跃的国家,其中民间小额借贷为其最主要的组成部分,一般通过利息面议、直接成交的形式建立居民个人与集体之间的相互信任,不通过金融机构而直接发生融资行为。近年来随着互联网的普及与电子商务领域的飞速发展,P2P小额贷款

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