【摘要】：收入與城市青睞現(xiàn)象在金融借貸市場(chǎng)比較常見,但是有關(guān)它們與借貸行為之間關(guān)系的研究卻較為缺乏。借助人人貸網(wǎng)站平臺(tái)交易數(shù)據(jù),本文研究了兩個(gè)問題,一是網(wǎng)貸過程中出借人是否對(duì)借款人的收入與城市特征表現(xiàn)出特有的青睞現(xiàn)象;二是不斷完善的信用認(rèn)證機(jī)制是否有助于改善這種青睞現(xiàn)象帶來的借貸匹配效率損失。結(jié)果表明,網(wǎng)絡(luò)借貸確實(shí)降低了交易成本和信息不對(duì)稱性,促進(jìn)了陌生人之間發(fā)生借貸的可能性,同時(shí),信用認(rèn)證機(jī)制的逐步完善,有效地解決了網(wǎng)貸過程中出現(xiàn)的不合理的收入與城市外在標(biāo)簽青睞現(xiàn)象,推動(dòng)借貸匹配效率進(jìn)一步提升。
[Abstract]:The phenomenon of income and urban favor is common in the financial lending market, but the research on the relationship between them and lending behavior is scarce. With the help of the transaction data of Renren loan website, this paper studies two problems, one is whether the lender shows a special favor phenomenon to the borrower's income and the city characteristic in the process of net loan; The other is whether the credit certification mechanism can help to improve the efficiency loss of loan matching. The results show that online lending does reduce transaction costs and information asymmetry, promote the possibility of borrowing between strangers, and at the same time, gradually improve the credit authentication mechanism. It effectively resolves the phenomenon of unreasonable income and the favor of city external label in the process of net loan, and promotes the efficiency of loan matching.
【作者單位】： 北京大學(xué)互聯(lián)網(wǎng)金融研究中心/國家發(fā)展研究院;
【基金】：中國博士后科學(xué)基金第58批面上項(xiàng)目(2015M580002)
【分類號(hào)】：F724.6;F832.4
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本文編號(hào)：2276183