【摘要】 基于Mcknight等提出的网络交易信任模型,并结合P2P网贷交易的特性,构建了基于平台信任视角的P2P网贷交易信任模型,并通过问卷调查和实证分析,揭示影响投资者对P2P网贷平台信任的因素及平台信任对出借意愿的影响。研究结果显示:投资者个人信任倾向、交易经验和制度信任显著影响投资者对P2P网贷平台的信任,制度信任和平台信任显著影响投资者的出借意愿。建议P2P网贷平台应提供模拟交易功能,加强平台经营信息实时披露,完善平台信用保障机制,提高借款人信用信息披露质量等,以提升投资者出借意愿。更多还原

【Abstract】 Based on the network transaction trust model proposed by Mcknight et al.,and combining with the characteristics of P2 P online lending transactions, this paper built a trust model of P2 P online lending transactions based on platform trust vision. It also revealed the factors that influence investors’ trust in P2 P online lending platform and the influence of platform trust on investors’ lending intention,using questionnaire survey and empirical analysis. The empirical results show that: investors’ personal trust tendency, experience and institutional trust significantly affect investors’ trust in P2 P lending platform. Institutional trust and platform trust significantly affect investors’ willingness to lend. It is suggested that the P2 P lending platform should provide the function of simulation transaction, increase the real-time disclosure of platform operation information,enhance the platform credit guarantee mechanism,and improve the quality of the borrower’s credit information disclosure,so as to enhance the willingness of investors to lend.更多还原