發(fā)布時(shí)間：2018-03-22 04:22

  本文選題：網(wǎng)絡(luò)借貸　切入點(diǎn)：硬信息　出處：《上海經(jīng)濟(jì)研究》2017年10期 　論文類型：期刊論文

【摘要】：網(wǎng)絡(luò)借貸與傳統(tǒng)借貸最大的差異就在于對信息的處理,而長尾群體"硬信息"不足只能靠"軟信息"來彌補(bǔ),所以對借款人"軟信息"的征集與處理是網(wǎng)絡(luò)借貸平臺(tái)運(yùn)營的關(guān)鍵,基于"軟信息"的信用評級機(jī)制能夠有效的將不同級別的借款人進(jìn)行甄別,實(shí)現(xiàn)借貸市場的分離均衡,從而更加有效的配置資金。通過對人人貸與Prosper平臺(tái)的實(shí)證檢驗(yàn),該文發(fā)現(xiàn)人人貸平臺(tái)的信用評分主要基于借款人的"硬信息",所以平臺(tái)的利率定價(jià)機(jī)制缺乏彈性,而Prosper平臺(tái)則更注重對借款人"軟信息"的征集,尤其是基于第三方和社會(huì)公開的信用記錄更能體現(xiàn)借款人的信用狀況,在利率定價(jià)中發(fā)揮著更為重要的作用。
[Abstract]:The biggest difference between online lending and traditional lending lies in the processing of information, while the shortage of "hard information" in long-tailed groups can only be made up by "soft information". Therefore, the collection and processing of borrowers'"soft information" is the key to the operation of the online lending platform. The credit rating mechanism based on "soft information" can effectively identify different levels of borrowers and realize the separation and equilibrium of the loan market. Through the empirical test of peer-to-peer lending and Prosper platform, this paper finds that the credit rating of peer-to-peer lending platform is mainly based on the "hard information" of the borrower, so the interest rate pricing mechanism of the platform is inelastic. The Prosper platform pays more attention to the "soft information" of the borrower, especially the credit record based on the third party and the public can reflect the borrower's credit status, and plays a more important role in the interest rate pricing.
【作者單位】： 西安交通大學(xué)經(jīng)濟(jì)與金融學(xué)院;
【基金】：國家社會(huì)科學(xué)基金重點(diǎn)項(xiàng)目“互聯(lián)網(wǎng)金融風(fēng)險(xiǎn)監(jiān)管研究:理論、制度與方法”(批準(zhǔn)編號:14AZD033);國家社會(huì)科學(xué)基金一般項(xiàng)目“互聯(lián)網(wǎng)金融信用風(fēng)險(xiǎn)的動(dòng)態(tài)識(shí)別、評價(jià)與防范研究”(批準(zhǔn)編號:14BJY194)的資助
【分類號】：F724.6;F832.4

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