【摘要】：本文認為P2P網絡借貸市場具有壟斷競爭的市場特征,作為借貸產品的供給者,借款者的行為直接影響其產品的競爭績效�；谛盘杺鬟f和信號甄別模型的研究發(fā)現,在信息不對稱的情況下,借款者需隨產品潛在風險的增加而傳遞更具體的信息,從而提高投資者的綜合評價。進一步研究表明,硬信息是投資者信息甄別的基礎,但軟信息將有助于提高產品競爭績效。
[Abstract]:This paper argues that P2P network lending market has the characteristics of monopoly competition. As a supplier of lending products, the behavior of borrowers directly affects the competitive performance of their products. Based on the model of signal transmission and signal discrimination, it is found that in the case of asymmetric information, the borrower needs to transmit more specific information with the increase of the potential risk of the product, so as to improve the comprehensive evaluation of investors. Further research shows that hard information is the basis of investor information screening, but soft information will help to improve product competition performance.
【作者單位】： 重慶三峽學院財經學院;東南大學經濟管理學院;
【基金】：重慶市社會科學規(guī)劃培育項目(2016PY68) 重慶市教委科學技術研究項目(KJ1601030) 重慶三峽學院重大培育項目(16PY05)的階段性成果
【分類號】：F724.6;F832.4

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本文編號：2462238