摘要
在P2P网络借贷模式中,不同的借款人个人特征信息具有不同的价值。利用中国P2P企业"人人贷"的数据,本文探讨了婚姻在网络借贷市场中的信用识别价值。实证结果表明,相对于未婚人士,已婚人士的借款成功率更高,同时贷款违约率也更低。同时,不同特征的人结婚,对于提高自己信用所起到的作用也是不相同的。具体而言,对于提高借贷信用而言,男性结婚不如女性结婚;高年龄借款者结婚强于年轻人结婚;高学历借款者结婚不如低学历借款者结婚。但对于借款违约率,不同特征借款者结婚的影响差异不大。
In this paper,using the data of renrendai. com,a representative P2 P platform in China,we explore the credit identification role of the marriage status of borrowers on the P2 P lending platform. The empirical results show that the borrowing success rate of married persons is higher than that of unmarried persons,and married borrowers do have lower default rate. At the same time,the credit identification role of marriage is not the same for different characteristics of people. Specifically,it is stronger for women,older and lower educated borrowers. But for the default rate,the difference is not obvious.
出处
《当代经济科学》
CSSCI
北大核心
2017年第3期40-47,共8页
Modern Economic Science
基金
国家社会科学基金青年项目(项目编号:16CJY065)
中国博士后科学基金面上项目(项目编号:2015M580901)
关键词
婚姻
信用识别
歧视
P2P网络借贷
Marriage
Credit Identification
Discrimination
P2P Lending
