P2P网络借贷中的婚姻歧视现象——基于“人人贷”的经验数据

发布时间：2019-03-14 08:13

【摘要】：近年来,随着P2P网络借贷在我国的快速发展,借贷关系中的歧视现象开始受到关注。本文利用P2P网络借贷平台"人人贷"的数据,从借贷双方的角度出发,对P2P网络借贷中的婚姻歧视现象进行实证研究。结果表明:P2P网络借贷中存在贷款人对借款人的婚姻歧视,表现为已婚借款人的借款成功率显著为高,离异借款人的借款成功率显著为低;借款人受到婚姻歧视的影响,在发布借款订单时,已婚借款人设定的借款利率显著为低,离异借款人设定的借款利率显著为高。进一步对婚姻歧视的异质性进行研究,发现婚姻状态对不同信用等级、学历、收入、地区、资产、借款期限借款人的影响各不相同。
[Abstract]:In recent years, with the rapid development of P2P network lending in China, the discrimination in lending relationship has been paid attention to. This paper makes an empirical study on marriage discrimination in P2P network lending from the perspective of both sides by using the data of P2P network lending platform "everyone loan". The results show that: (1) there is a marriage discrimination between the lender and the borrower in P2P network lending, which shows that the successful rate of the married borrower is significantly higher than that of the divorced borrower, and the loan success rate of the divorced borrower is significantly lower; The borrower is affected by marriage discrimination. When issuing the loan order, the interest rate set by the married borrower is significantly lower, and the interest rate set by the divorced borrower is significantly higher than that set by the divorced borrower. Further research on the heterogeneity of marital discrimination shows that the effects of marital status on borrowers with different credit grades, academic qualifications, income, regions, assets and borrowing maturity are different.
【作者单位】：南京大学商学院;
【基金】：国家自然科学基金资助项目(71301072) 国家社会科学基金重大项目(14ZDA043) 江苏2011计划区域经济转型与管理变革协同创新中心重大招标课题(2015-11)
【分类号】：F724.6;F832.4

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