【摘要】 P2P(Peer to Peer)网络借贷作为一种新兴的金融创新模式,为个人及中小微企业的融资难问题提供了一个良好的解决方案。然而,在P2P网络借贷蓬勃发展的同时,也存在着成交率低、逾期违约等问题。本文基于红岭创投的满标交易数据,以期望效用理论为基础,从投资人视角构建P2P网络借贷投资者出资偏好的影响因素模型并进行实证研究。结果表明:借款人个人信息、借款人平台信息以及借款标的信息均对投资者的出资偏好产生显著影响。因此,本文研究对于促进P2P网络借贷市场的发展,提高平台交易成功率具有一定的借鉴意义。更多还原

【Abstract】 As a new innovative practice of finance, P2 P(Peer to Peer) lending provides an optimal solution for financing difficulties of individual and small and mediumsized enterprises. However, with the rapid development of P2 P lending, there are also problems such as low transaction rate, overdue repayment and breach of contract. The paper conducts an empirical study with the transaction data of Hongling Venture. Based on the expected utility theory, this paper constructs the influencing factors model of investors’ preference from the perspective of investors. The results show that personal information and platform information of borrowers, and the characteristic information of the loan have significant impact on investors’ preference. Therefore, the research has certain reference significance for improving the rate of transaction and promoting the development of P2 P lending market.更多还原