【摘要】：在P2P網(wǎng)絡(luò)借貸模式中,不同的借款人個(gè)人特征信息具有不同的價(jià)值。利用中國P2P企業(yè)"人人貸"的數(shù)據(jù),本文探討了婚姻在網(wǎng)絡(luò)借貸市場(chǎng)中的信用識(shí)別價(jià)值。實(shí)證結(jié)果表明,相對(duì)于未婚人士,已婚人士的借款成功率更高,同時(shí)貸款違約率也更低。同時(shí),不同特征的人結(jié)婚,對(duì)于提高自己信用所起到的作用也是不相同的。具體而言,對(duì)于提高借貸信用而言,男性結(jié)婚不如女性結(jié)婚;高年齡借款者結(jié)婚強(qiáng)于年輕人結(jié)婚;高學(xué)歷借款者結(jié)婚不如低學(xué)歷借款者結(jié)婚。但對(duì)于借款違約率,不同特征借款者結(jié)婚的影響差異不大。
[Abstract]:In P2P network lending mode, different borrowers have different value of personal characteristic information. Based on the data of Peer-to-Peer Enterprises in China, this paper discusses the credit identification value of marriage in online lending market. The empirical results show that married people have a higher success rate of borrowing and a lower rate of default than unmarried people. At the same time, people with different characteristics of marriage, to improve their own credit played a different role. Specifically, men marry less than women, older borrowers marry better than young people, and highly educated borrowers marry less than lower-educated borrowers. But for loan default rate, the influence of different characteristic borrower marriage is not different.
【作者單位】： 北京大學(xué)國家發(fā)展研究院;
【基金】：國家社會(huì)科學(xué)基金青年項(xiàng)目(項(xiàng)目編號(hào):16CJY065) 中國博士后科學(xué)基金面上項(xiàng)目(項(xiàng)目編號(hào):2015M580901)
【分類號(hào)】：C913.13;F724.6;F832.4
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本文編號(hào)：2228058