投资者素质对投资成效的影响研究--基于人人贷借贷数据的分析  

The Influence of Investor Quality on Investment Results: Analysis Based on Online Lending

作　　者：郭梦男 黄文彬[1] 

机构地区：[1]福州大学经济与管理学院,福建福州350108

出　　处：《福建江夏学院学报》2017年第1期8-13,共6页Journal of Fujian Jiangxia University

摘　　要：以人人贷平台数据为样本,研究投资者素质对投资决策的影响。结果发现,网贷借款经验有助于提高投资者的投资素质,有网贷借款经验投资者比无借款经验投资者在投资行为上更加理性和成熟,投标成功比例更高、订单违约比例更低。反映投资者素质的投资者学历、收入、居住地发达程度等因素显著影响投资者的投资行为,较高的学历和收入、居住在一线城市投资者的投标成功率高于其他投资者,所投订单违约率也较低。This paper works on the impact of investors＇ quality on investors＇ decision-making by making use of data from Renrendai.lt turns out that the experience of borrowing on network improves investors＇ quality.In other words,investors who have experience of borrowing on network before become more rational and mature than those who do not.As a result,they are faced with higher success rate and lower default rate.In addition,personal factors reflecting investor^ quality,such as education, incomes,and place of residence,also have a significant effect on investment behavior. That is to say,higher education and income,living in the first-tier cities,investors tend to bid higher success rate and lower default rate than other investors.

关 键 词：P2P网络借贷 投资者素质 投资决策 

分 类 号：F832.479[经济管理—金融学]