基于城市视角的P2P网贷地域差异研究  

Research on Regional Differences in P2P Online Lending——From the City Perspective

作　　者：李闻一[1] 王宇 谌仁俊 

机构地区：[1]华中师范大学经济与工商管理学院 [2]深圳财富趋势科技股份有限公司武汉研发中心

出　　处：《国际金融研究》2018年第5期87-96,共10页Studies of International Finance

摘　　要：本文采用"人人贷"2015年全年交易数据,基于城市视角对比分析较发达城市组和欠发达城市组借款成功率影响因素的差异,以及各因素对借款成功率的影响程度,并将借款按照借款目的分类做异质性分析。实证结果表明,影响P2P网贷借款成功率的因素存在显著的地域差异,而信用分数、身份认证和实地认证等借款人特征是导致P2P网贷借款成功率存在地域差异的主要原因;该结果同样存在于不同城市不同借款目的的异质性考察中。Using the transaction data of Renrendai in 2015, this paper examines the differences in the effects on loan success rate between more developed cities and less developed cities and the influence degree of the factors from the city perspective. Furthermore, this paper makes heterogeneity analysis depending on the classifications of borrowing purposes. There are significant regional differences in the factors that affect the success rate of P2P online lending. The characteristics of borrowers such as credit score, identity authentication and field certification are the main reasons for the regional differ- ences in the success rate of P2P online lending. The results also exist in heterogeneity studies on different borrowing purposes in different cities.

关 键 词：城市视角 地域差异 P2P网贷 借款成功率 

分 类 号：F830.5[经济管理—金融学]