信任机制对P2P借贷出借人决策行为的影响探究
发布时间：2019-04-16 08:56
【摘要】：P2P(peer-to-peer)网络借贷是出借人通过中介机构将资金以信用贷款的方式贷给借款人。作为新兴发展的民间金融模式,P2P网络借贷以其简洁、方便的特点,有效解决了部分人的资金短缺之急。尽管目前国内的P2P网络借贷已初具规模,但仍处于初级发展阶段。提高网络借贷的成功率是保障P2P网络借贷长足发展的关键所在,这就需要了解P2P网络借贷出借人的决策行为。 基于信任机制视角,本文旨在定量测度信任机制对P2P网络借贷出借人决策行为的影响路径和影响力度。我们对人人贷网站会员展开了多阶段抽样调查。实证分析中,我们基于行为金融理论和社会资本理论提出研究假设,通过网络借贷出借人决策行为结构方程模型的构建,对感知的社会资本、感知的信息质量、感知的风险、感知的交易平台对网络借贷出借人决策行为的影响方向和影响路径进行探索。结论显示：(1)感知的风险对出借决策行为的影响为负月.力度较大；(2)结构型社会资本通过感知的风险对网络借贷出借人的决策行为产生负向影响；(3)出借人对借贷平台的信任将正向影响网络借贷出借人的出借决策,但感知的风险会负向影响出借人对借贷平台的信任；(4)出借人所感知的信息质量负向作用于感知的风险,进而正向影响网络借贷出借人的决策行为。本文最终为网络借贷的出借人、网络借贷交易平台以及政府提供了政策建议,希望以此促进网络借贷行业的进一步发展。
[Abstract]:Peer-to-Peer (peer-to-peer) network lending is that lenders lend money to borrowers in the form of credit loans through intermediaries. As a newly developed non-governmental financial model, P2P network lending has solved the shortage of some people's funds effectively because of its simple and convenient characteristics. Although domestic P2P network lending has taken shape at present, it is still in the initial stage of development. Improving the success rate of network lending is the key to ensure the rapid development of P2P network lending, which needs to know the decision-making behavior of P2P network borrower. Based on the perspective of trust mechanism, this paper aims at quantificationally measuring the influence path and intensity of trust mechanism on decision-making behavior of loan lenders in P2P network. We carried out a multi-stage sample survey of the members of Renren loan website. In the empirical analysis, based on the behavioral finance theory and the social capital theory, we put forward the research hypothesis, through the construction of the network borrower decision-making structure equation model, the perceived social capital, the perceived information quality, the perceived risk, the perceived social capital, the perceived information quality, and the perceived risk. The perceived trading platform explores the direction and path of the network borrower's decision-making behavior. The conclusions are as follows: (1) the impact of perceived risk on lending decision-making is negative. (2) the perceived risk of structural social capital has a negative impact on the decision-making behavior of network lenders; (3) the lender's trust in the lending platform will positively affect the lending decision of the network lender, but the perceived risk will negatively affect the lender's trust in the lending platform; (4) the perceived information quality negatively affects the perceived risk, and then positively affects the decision-making behavior of the network borrower. Finally, this paper provides policy suggestions for the lenders, online lending trading platforms and the government, hoping to promote the further development of the online lending industry.
【学位授予单位】：浙江工商大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F724.6
本文编号：2458651
[Abstract]:Peer-to-Peer (peer-to-peer) network lending is that lenders lend money to borrowers in the form of credit loans through intermediaries. As a newly developed non-governmental financial model, P2P network lending has solved the shortage of some people's funds effectively because of its simple and convenient characteristics. Although domestic P2P network lending has taken shape at present, it is still in the initial stage of development. Improving the success rate of network lending is the key to ensure the rapid development of P2P network lending, which needs to know the decision-making behavior of P2P network borrower. Based on the perspective of trust mechanism, this paper aims at quantificationally measuring the influence path and intensity of trust mechanism on decision-making behavior of loan lenders in P2P network. We carried out a multi-stage sample survey of the members of Renren loan website. In the empirical analysis, based on the behavioral finance theory and the social capital theory, we put forward the research hypothesis, through the construction of the network borrower decision-making structure equation model, the perceived social capital, the perceived information quality, the perceived risk, the perceived social capital, the perceived information quality, and the perceived risk. The perceived trading platform explores the direction and path of the network borrower's decision-making behavior. The conclusions are as follows: (1) the impact of perceived risk on lending decision-making is negative. (2) the perceived risk of structural social capital has a negative impact on the decision-making behavior of network lenders; (3) the lender's trust in the lending platform will positively affect the lending decision of the network lender, but the perceived risk will negatively affect the lender's trust in the lending platform; (4) the perceived information quality negatively affects the perceived risk, and then positively affects the decision-making behavior of the network borrower. Finally, this paper provides policy suggestions for the lenders, online lending trading platforms and the government, hoping to promote the further development of the online lending industry.
【学位授予单位】：浙江工商大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F724.6
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