【摘要】：近年來,隨著P2P網(wǎng)絡借貸在我國的快速發(fā)展,借貸關系中的歧視現(xiàn)象開始受到關注。本文利用P2P網(wǎng)絡借貸平臺"人人貸"的數(shù)據(jù),從借貸雙方的角度出發(fā),對P2P網(wǎng)絡借貸中的婚姻歧視現(xiàn)象進行實證研究。結果表明:P2P網(wǎng)絡借貸中存在貸款人對借款人的婚姻歧視,表現(xiàn)為已婚借款人的借款成功率顯著為高,離異借款人的借款成功率顯著為低;借款人受到婚姻歧視的影響,在發(fā)布借款訂單時,已婚借款人設定的借款利率顯著為低,離異借款人設定的借款利率顯著為高。進一步對婚姻歧視的異質(zhì)性進行研究,發(fā)現(xiàn)婚姻狀態(tài)對不同信用等級、學歷、收入、地區(qū)、資產(chǎn)、借款期限借款人的影響各不相同。
[Abstract]:In recent years, with the rapid development of P2P network lending in China, the discrimination in lending relationship has been paid attention to. This paper makes an empirical study on marriage discrimination in P2P network lending from the perspective of both sides by using the data of P2P network lending platform "everyone loan". The results show that: (1) there is a marriage discrimination between the lender and the borrower in P2P network lending, which shows that the successful rate of the married borrower is significantly higher than that of the divorced borrower, and the loan success rate of the divorced borrower is significantly lower; The borrower is affected by marriage discrimination. When issuing the loan order, the interest rate set by the married borrower is significantly lower, and the interest rate set by the divorced borrower is significantly higher than that set by the divorced borrower. Further research on the heterogeneity of marital discrimination shows that the effects of marital status on borrowers with different credit grades, academic qualifications, income, regions, assets and borrowing maturity are different.
【作者單位】： 南京大學商學院;
【基金】：國家自然科學基金資助項目(71301072) 國家社會科學基金重大項目(14ZDA043) 江蘇2011計劃區(qū)域經(jīng)濟轉(zhuǎn)型與管理變革協(xié)同創(chuàng)新中心重大招標課題(2015-11)
【分類號】：F724.6;F832.4

【相似文獻】

相關期刊論文 前10條

1 張世浩;;精準廣告 再造P2P時代網(wǎng)絡盈利新模式[J];中國廣告;2006年10期

2 倪月娟;;我國P2P小額網(wǎng)絡信貸研究[J];現(xiàn)代商業(yè);2013年27期

3 ;P2P無線東京大登陸[J];網(wǎng)際商務;2001年07期

4 張志強;;當前我國P2P信貸現(xiàn)狀及發(fā)展對策[J];華北金融;2013年07期

5 樊融杰;;P2P入侵外匯交易[J];英才;2014年03期

6 朱s，

本文編號：2439812