社会网络信息对P2P在线借贷的影响研究
The Impact of Social Network Information on P2P Online Lending
摘要:
随着P2P互联网金融行业数据的积累和应用能力的提升，在线社交网络行为信息对p2p借贷影响的研究引起了学者们的关注。本文从借款人的特征、借贷记录和在线社会网络行为入手，通过多元回归分析模型，探讨在线社会网络行为对借款成功与否和借款效率的影响。并利用拍拍贷平台、拍拍贷论坛上的数据进行实证分析。研究结果表明：借款人在社会网络行为信息对借款成功与否没有显著影响，但对借款效率有促进作用。
Abstract:
With the accumulation and application of data in P2P internet finance industry, the research of the impact of online social network behavior information on P2P lending has attracted the attention of scholars. Starting with the characteristics of borrowers, borrowing records and online social net-work behavior, this paper examines the impact of online social network behavior on loan success and borrowing efficiency through multiple regression analysis models. And empirical analysis is done by using the data of PPai loan platform and PPai forum platform. The empirical results show that the behavior information of the borrower in the social network has no significant impact on the success of the loan, but it can promote the efficiency of borrowing.
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