中国网络借贷信任机制研究  

A Study of the Trust Mechanism of Chinese Internet Lending

作　　者：杨慧宇[1] 陆岷峰[2] 

机构地区：[1]南京信息工程大学公共管理学院 [2]南京财经大学金融学院

出　　处：《金融论坛》2015年第1期73-79,共7页Finance Forum

摘　　要：本文用社会学和制度经济学的相关理论研究信任机制的构成,在此基础上分析中国传统借贷信任机制的特征及中国现行几种网络借贷的信任机制。研究发现,由于信用环境、社会文化背景不同,中国的网络借贷信任机制不同于西方发达国家,纯粹的"线上"模式不能够满足征信需求和建立信任。于是,中国相当一部分网络借贷平台依然引入了传统的借贷信任机制,形成了"线上"和"线下"相结合的模式。基于中国现阶段的社会信用环境,可以断言,网络借贷还将在很长一段时间内依赖于传统借贷的信任机制。Based on the related theories of sociology and institutional economics, this paper researches the constitution of trust mechanism, and then analyzes the features of the trust mechanism of Chinese traditional lending and several trust mechanisms of current Internet lending in China. It's found that, due to the different credit environment, social and cultural backgrounds, the trust mechanism of Chinese Internet lending is different from that of the developed Western countries, and the pure"online"mode can not meet the requirements for credit and trust. Therefore, many Internet lending platforms in China introduce the trust mechanism of traditional lending, and the mode combining"online"with"offline"is formed. Considering the current credit environment of China's society, it can be asserted that Internet lending will rely on the trust mechanism of traditional lending in the long term.

关 键 词：互联网金融 网络借贷 信任机制 信用环境 

分 类 号：F724.6[经济管理—产业经济] F832.4