基于价值创造理论的P2P贷款人参与度影响因素分析被引量：3

Research on Lender Participation of P2P Lending based on Value Creation Theory

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摘要 P2P网贷作为一种新型网络融资模式,尽管发展迅速但仍存在贷款人参与度低下的问题。本文基于人人贷的交易数据,通过引入价值创造理论,采用因子分析法和PLS-SEM法,从贷款人感知价值和感知风险两个维度实证分析P2P网贷贷款人参与度的影响因素及其影响程度,结果表明借款人的信用水平与贷款人的投资收益对贷款人参与度有显著影响,借款人个人特征因素和偿债能力因素对贷款人参与度影响不显著,P2P网贷发展离不开借款人信用水平和贷款人投资收益的提高。 As a new network financing pattern,P2 P lending financing is facing the problems of low-lender-participation.By using the transaction data of RenRen Dai,based on value creation theory,the paper discussed influence factors and extent of lender-participation from two aspects of perceived value and perceived risk from the lender with factor analysis and PLS-SEM.Research shows that the borrower＇s credit risk and lenders＇ return on investment have an important impact on the lender participation,but borrowers＇ characters and solvency have no significant impact.Healthy development of P2 P network lending is inseparable from the borrower＇s creditworthiness and increase of lenders＇ investment revenue.

作者吴庆田李彬

机构地区中南大学商学院

出处《商业研究》 CSSCI 北大核心 2017年第3期159-166,共8页 Commercial Research

基金国家社科基金项目"基于利益相关者异质性的P2P网贷价值网的构建价值共创与政府规制研究" 项目编号:16BJY159

关键词价值创造 P2P网络借贷贷款人参与度 value creation P2P lending lender participation

分类号 F830.5 [经济管理—金融学]

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