本文選題：網(wǎng)貸市場 + 出借意愿　； 參考：《經(jīng)濟(jì)與管理評論》2017年04期

【摘要】：網(wǎng)貸市場的繁榮發(fā)展依賴于大量出借人的參與。本文基于整合型技術(shù)接受與使用模型(UTAUT模型)構(gòu)建一個網(wǎng)貸市場出借意愿理論模型,考察網(wǎng)貸市場出借意愿的影響因素,并通過拍拍貸用戶數(shù)據(jù),應(yīng)用結(jié)構(gòu)方程建模的方法進(jìn)行實證分析。研究結(jié)果表明:績效期望、努力期望、感知信用和社會影響正向地影響出借意愿。由于網(wǎng)貸市場提供的主要是小額貸款,涉及的金額較小,用戶的感知風(fēng)險對其出借意愿的影響并不明顯。
[Abstract]:The prosperity of the online lending market depends on the participation of a large number of lenders. Based on the integrated technology acceptance and usage model (UTAUT model), this paper constructs a theoretical model of the willingness to lend in the network loan market, and investigates the influencing factors of the willingness to lend in the network loan market, and through the PPDAI user data, The method of structural equation modeling is used for empirical analysis. The results show that performance expectation, effort expectation, perceived credit and social impact positively affect lending willingness. Because the net loan market mainly provides small loans, the amount involved is relatively small, the perceived risk of users does not have a significant impact on their willingness to lend.
【作者單位】： 河南工業(yè)大學(xué)管理學(xué)院;
【基金】：國家社會科學(xué)基金項目“網(wǎng)上信用風(fēng)險的群體演化機(jī)制與多維防控策略研究”(項目編號:14BGL1)的階段性研究成果
【分類號】：F724.6;F832.4
，

本文編號：2008553