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借款者婚姻状态与贷款违约——基于网络借贷平台数据的实证研究 被引量:1

Marital Status and Loan Defaults of Borrowers: An Empirical Study Based on the Data from Online Lending Platforms
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摘要 P2P网贷问题平台逐年增多,特别是2018年6月以来,"爆雷”现象频发。P2P网贷平台运营出现问题的一个重要原因是借款者违约,深入研究违约借款者的特征对于该行业的健康发展具有重要意义。现有文献研究发现离婚者与在婚者有很大不同,那么离婚者与在婚者在贷款违约方面是否存在显著差异呢?基于知名P2P网贷平台"玖融网”的数据,采用有序多分类Logit模型和有序多分类Probit模型等方法探究借款者婚姻状态与贷款违约的关系。为更精确地研究借款者的违约行为,将贷款违约程度(违约度)从低到高依次划分为未违约、一般违约和严重违约三个级别。研究发现离婚借款者较在婚借款者的违约度更高。 The number of problems with P2P online lending platforms in China has been increasing year by year, especially since June 2018, the "mine exploding" phenomena have been seen frequently. An important reason for P2P online lending platforms running into problems is the default of borrowers, so it is significant to study the characteristics of defaulted borrowers for the healthy development of the industry. According to the existing literatures, there is great difference between the divorced and the married. Then, are there any loan default differences between the divorced and the married borrowers? Based on the data from a famous P2P online lending platform . jiurong.com, this paper employs the ordered multi-classified Logit model, the ordered multi-classified Probit model and other methods to explore the relationship between borrowers' marital status and loan defaults. In order to study the loan defaults of borrowers more accurately, the degrees of loan defaults are divided into three levels from lower to higher: non-default, general default, and serious default. It is found that the divorced borrowers have higher degree of loan default than the married borrowers.
作者 刘浩华 陈春花 LIU Hao-hua;CHEN Chun-hua(Jiangxi University of Finance and Economics, Nanchang 330013;Agricultural Bank of China,Inner Mongolia Branch, Hohhot 010010, China)
出处 《江西财经大学学报》 CSSCI 北大核心 2019年第4期34-42,共9页 Journal of Jiangxi University of Finance and Economics
基金 国家社会科学基金项目“基于P2P平台的供应链金融模式创新与风险管理研究”(15BGL081) 江西财经大学工商管理学院院级品牌优势团队基金项目“互联网+供应链”(GS201602)
关键词 P2P网贷 违约 离婚 玖融网 peer-to-peer online lending loan default divorce Jiurong net
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