【摘要】：P2P(peer-to-peer)網(wǎng)絡(luò)借貸是出借人通過中介機構(gòu)將資金以信用貸款的方式貸給借款人。作為新興發(fā)展的民間金融模式,P2P網(wǎng)絡(luò)借貸以其簡潔、方便的特點,有效解決了部分人的資金短缺之急。盡管目前國內(nèi)的P2P網(wǎng)絡(luò)借貸已初具規(guī)模,但仍處于初級發(fā)展階段。提高網(wǎng)絡(luò)借貸的成功率是保障P2P網(wǎng)絡(luò)借貸長足發(fā)展的關(guān)鍵所在,這就需要了解P2P網(wǎng)絡(luò)借貸出借人的決策行為。 基于信任機制視角,本文旨在定量測度信任機制對P2P網(wǎng)絡(luò)借貸出借人決策行為的影響路徑和影響力度。我們對人人貸網(wǎng)站會員展開了多階段抽樣調(diào)查。實證分析中,我們基于行為金融理論和社會資本理論提出研究假設(shè),通過網(wǎng)絡(luò)借貸出借人決策行為結(jié)構(gòu)方程模型的構(gòu)建,對感知的社會資本、感知的信息質(zhì)量、感知的風(fēng)險、感知的交易平臺對網(wǎng)絡(luò)借貸出借人決策行為的影響方向和影響路徑進行探索。結(jié)論顯示：(1)感知的風(fēng)險對出借決策行為的影響為負(fù)月.力度較大；(2)結(jié)構(gòu)型社會資本通過感知的風(fēng)險對網(wǎng)絡(luò)借貸出借人的決策行為產(chǎn)生負(fù)向影響；(3)出借人對借貸平臺的信任將正向影響網(wǎng)絡(luò)借貸出借人的出借決策,但感知的風(fēng)險會負(fù)向影響出借人對借貸平臺的信任；(4)出借人所感知的信息質(zhì)量負(fù)向作用于感知的風(fēng)險,進而正向影響網(wǎng)絡(luò)借貸出借人的決策行為。本文最終為網(wǎng)絡(luò)借貸的出借人、網(wǎng)絡(luò)借貸交易平臺以及政府提供了政策建議,希望以此促進網(wǎng)絡(luò)借貸行業(yè)的進一步發(fā)展。
[Abstract]:Peer-to-Peer (peer-to-peer) network lending is that lenders lend money to borrowers in the form of credit loans through intermediaries. As a newly developed non-governmental financial model, P2P network lending has solved the shortage of some people's funds effectively because of its simple and convenient characteristics. Although domestic P2P network lending has taken shape at present, it is still in the initial stage of development. Improving the success rate of network lending is the key to ensure the rapid development of P2P network lending, which needs to know the decision-making behavior of P2P network borrower. Based on the perspective of trust mechanism, this paper aims at quantificationally measuring the influence path and intensity of trust mechanism on decision-making behavior of loan lenders in P2P network. We carried out a multi-stage sample survey of the members of Renren loan website. In the empirical analysis, based on the behavioral finance theory and the social capital theory, we put forward the research hypothesis, through the construction of the network borrower decision-making structure equation model, the perceived social capital, the perceived information quality, the perceived risk, the perceived social capital, the perceived information quality, and the perceived risk. The perceived trading platform explores the direction and path of the network borrower's decision-making behavior. The conclusions are as follows: (1) the impact of perceived risk on lending decision-making is negative. (2) the perceived risk of structural social capital has a negative impact on the decision-making behavior of network lenders; (3) the lender's trust in the lending platform will positively affect the lending decision of the network lender, but the perceived risk will negatively affect the lender's trust in the lending platform; (4) the perceived information quality negatively affects the perceived risk, and then positively affects the decision-making behavior of the network borrower. Finally, this paper provides policy suggestions for the lenders, online lending trading platforms and the government, hoping to promote the further development of the online lending industry.
【學(xué)位授予單位】：浙江工商大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F724.6

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