基于社会认知理论的P2P网络放贷交易信任研究

被引：75

作者：

陈冬宇

机构：

[1] 苏州大学东吴商学院

来源：

南开管理评论 | 2014年 / 17卷 / 03期

关键词：

P2P网络借贷; 互联网金融; 信任;

D O I：

暂无

中图分类号：

F830.5 [信贷]; F49 [信息产业经济];

学科分类号：

1201 ; 020204 ;

摘要：

个人对个人(P2P)网络借贷市场的快速发展体现了我国民间巨大的融资和投资需求。然而由于缺乏信任,该市场目前仍然处于初始发展阶段,参与者不多,借款成功率也很低。本文以社会认知理论为基础,从放贷人的角度构建交易信任理论框架,研究交易信任的形成过程及影响因素。数据分析结果表明,放贷人信任倾向、借款请求信息质量、借款人社会资本以及借贷平台安全保障水平是影响交易信任的关键因素,但是不同维度的社会资本对交易信任的影响并不相同。本文建立了理论驱动的P2P放贷行为模型,对互联网金融理论体系构建和企业管理实践都有重要的意义。

引用

页码：40 / 48+73 +73

页数：10

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