基于收入与城市青睐现象的网贷信用认证有效性分析
发布时间：2018-10-17 09:09
【摘要】：收入与城市青睐现象在金融借贷市场比较常见,但是有关它们与借贷行为之间关系的研究却较为缺乏。借助人人贷网站平台交易数据,本文研究了两个问题,一是网贷过程中出借人是否对借款人的收入与城市特征表现出特有的青睐现象;二是不断完善的信用认证机制是否有助于改善这种青睐现象带来的借贷匹配效率损失。结果表明,网络借贷确实降低了交易成本和信息不对称性,促进了陌生人之间发生借贷的可能性,同时,信用认证机制的逐步完善,有效地解决了网贷过程中出现的不合理的收入与城市外在标签青睐现象,推动借贷匹配效率进一步提升。
[Abstract]:The phenomenon of income and urban favor is common in the financial lending market, but the research on the relationship between them and lending behavior is scarce. With the help of the transaction data of Renren loan website, this paper studies two problems, one is whether the lender shows a special favor phenomenon to the borrower's income and the city characteristic in the process of net loan; The other is whether the credit certification mechanism can help to improve the efficiency loss of loan matching. The results show that online lending does reduce transaction costs and information asymmetry, promote the possibility of borrowing between strangers, and at the same time, gradually improve the credit authentication mechanism. It effectively resolves the phenomenon of unreasonable income and the favor of city external label in the process of net loan, and promotes the efficiency of loan matching.
【作者单位】： 北京大学互联网金融研究中心/国家发展研究院;
【基金】：中国博士后科学基金第58批面上项目(2015M580002)
【分类号】：F724.6;F832.4
，
本文编号：2276183
[Abstract]:The phenomenon of income and urban favor is common in the financial lending market, but the research on the relationship between them and lending behavior is scarce. With the help of the transaction data of Renren loan website, this paper studies two problems, one is whether the lender shows a special favor phenomenon to the borrower's income and the city characteristic in the process of net loan; The other is whether the credit certification mechanism can help to improve the efficiency loss of loan matching. The results show that online lending does reduce transaction costs and information asymmetry, promote the possibility of borrowing between strangers, and at the same time, gradually improve the credit authentication mechanism. It effectively resolves the phenomenon of unreasonable income and the favor of city external label in the process of net loan, and promotes the efficiency of loan matching.
【作者单位】： 北京大学互联网金融研究中心/国家发展研究院;
【基金】：中国博士后科学基金第58批面上项目(2015M580002)
【分类号】：F724.6;F832.4
，
本文编号：2276183
本文链接：https://www.wllwen.com/jingjilunwen/touziyanjiulunwen/2276183.html
