风险、信任和出借意愿——基于拍拍贷注册用户的实证研究

发布时间：2018-10-20 14:20

【摘要】：网络借贷(P2P借贷)是微金融运营模式的创新,主要用于满足小微企业及个人的小额贷款需求。该市场的健康发展有赖于大量出借人的参与。为了更好地了解出借行为,本文以拍拍贷网站用户为研究对象,分析信任和感知风险对出借意愿的影响及前导因素。研究结果发现,出借意愿主要受到信任的影响;感知风险会影响信任,但是不会对出借意愿产生显著影响。而信任又受到借款者社会资本以及借款请求信息质量的显著影响。出借者主要为风险偏好人群,他们对利润的追求甚于对风险的考量。出借者的投资风险来自多个方面,不完善的交易平台保障体系和网络借贷可能涉及的法律问题会严重地影响潜在出借者的不安全感和交易信心,严重阻碍网络借贷市场的进一步发展。上述结果表明,网络借贷市场的投资行为有其内在特征,以网络购物为基础的传统电子商务领域的研究成果在网络借贷市场中并不完全适用。
[Abstract]:Network lending (P2P lending) is an innovation of microfinance, which is mainly used to meet the demand of microenterprises and individuals. The healthy development of the market depends on the involvement of a large number of lenders. In order to better understand the lending behavior, this paper takes PPDAI website users as the research object, analyzes the influence of trust and perceived risk on lending willingness and leading factors. The results show that the willingness to lend is mainly affected by trust; perceived risk will affect trust, but will not have a significant impact on the willingness to lend. Trust, in turn, is significantly affected by the borrower's social capital and the quality of information on loan requests. Lenders are mainly risk appetite groups, who seek profit more than risk. The investment risk of the lender comes from many aspects. The imperfect trading platform security system and the legal problems that may be involved in the online lending will seriously affect the insecurity and trading confidence of the potential lender. A serious obstacle to the further development of the network lending market. The above results show that the investment behavior of the online lending market has its inherent characteristics, and the traditional e-commerce research results based on the online shopping are not fully applicable in the online lending market.
【作者单位】：苏州大学东吴商学院;西南财经大学经济信息工程学院;
【基金】：教育部人文社会科学研究项目(10YJCZH007) 国家自然科学基金项目(71302008;71302186) 国家社会科学基金重点项目(11AZD077)
【分类号】：F724.6;F832.4

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