摘要
本文利用400家P2P借贷平台的数据,以百度指数作为地区热度指标,考察了不同地区的网民对当地P2P平台的关注度及认知度对平台吸收投资的影响。结果表明:网民对P2P平台关注度越高,平台的意愿放贷人数、累积投资金额也越高;同时,年化收益率越低。
The paper uses the data of 400 P2 P lending Platforms, taking Baidu index as an index for regional hotspot to investigate the influence of different attention and recognition on local P2 P platform of netizens on platform absorbing investment. The results show that： the higher the netizen pay attention to the P2 P Platform, the more investors of the Platform would like to lend money to others, and the cumulative amount of investment will be higher too; at the same time, the annual rate of return will become lower.
作者
余茂平
米晋宏
YU MAOPING MI JINHONG(Shanghai Maritime University, School of Economics and Management, Shanghai,201306, China)
基金
上海市教委创新项目"产业结构视角下的收入分配改善机制研究"(14YS052)
国家自然科学基金资助项目"中国P2P金融的市场微观结构研究-基于经济网络的分析方法"(71503165)
