婚姻状态与网络借贷中的信用识别——来自“人人贷”平台的经验证据

发布时间：2018-09-07 10:53

【摘要】：在P2P网络借贷模式中,不同的借款人个人特征信息具有不同的价值。利用中国P2P企业"人人贷"的数据,本文探讨了婚姻在网络借贷市场中的信用识别价值。实证结果表明,相对于未婚人士,已婚人士的借款成功率更高,同时贷款违约率也更低。同时,不同特征的人结婚,对于提高自己信用所起到的作用也是不相同的。具体而言,对于提高借贷信用而言,男性结婚不如女性结婚;高年龄借款者结婚强于年轻人结婚;高学历借款者结婚不如低学历借款者结婚。但对于借款违约率,不同特征借款者结婚的影响差异不大。
[Abstract]:In P2P network lending mode, different borrowers have different value of personal characteristic information. Based on the data of Peer-to-Peer Enterprises in China, this paper discusses the credit identification value of marriage in online lending market. The empirical results show that married people have a higher success rate of borrowing and a lower rate of default than unmarried people. At the same time, people with different characteristics of marriage, to improve their own credit played a different role. Specifically, men marry less than women, older borrowers marry better than young people, and highly educated borrowers marry less than lower-educated borrowers. But for loan default rate, the influence of different characteristic borrower marriage is not different.
【作者单位】： 北京大学国家发展研究院;
【基金】：国家社会科学基金青年项目(项目编号:16CJY065) 中国博士后科学基金面上项目(项目编号:2015M580901)
【分类号】：C913.13;F724.6;F832.4
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本文编号：2228058