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Voluntary disclosures and peer-to-peer lending decisions:Evidence from the repeated game

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Frontiers of Business Research in China 2020年第1期14卷 52-77页

作者： Yan Li Cungang Li Yijun Gao Business School Renmin University of ChinaZhongguancun StreetBeijing 100872China Central Huijin Investment Co. Chaoyangmen North StreetBeijing 100010China

This study investigates the effect of voluntary disclosures on lending decisions in the repeated *** a unique dataset from a peer-to-peer lending platform,"ppdai" (poipaidai),we document that voluntary disclosures in the repeated game play a stronger role in promoting funding success than those in the one-shot *** argue that voluntary disclosures improve the bidding activity in the repeated game through which they increase funding *** addition,the greater impact of voluntary disclosures on funding success in the repeated game only holds for loans without a personal guarantee *** extended results suggest that the subjective voluntary disclosures in the repeated game have greater information content only when borrowers have a successful borrowing *** also point out that voluntary disclosures in the repeated game are associated with a lower probability of *** results are robust to the Heckman two-step estimation that addresses the self-selection effect and a specification designed to rule out the alternative explanation from reputation in the repeated *** study provides new insights into the real effects of costless,voluntary and unverifiable disclosures on lending decisions.

关键词： Online peer-to-peer(P2P)lending Voluntary disclosures Repeated game lending decisions Funding success Information asymmetry

China Cuts lending and Deposit Rates

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China Chemical Reporter 2008年第30期19卷 6-6页

The People’s Bank of China cuts both lending and deposit currency *** one-year benchmark lending rate dropped to 6.93% and the one-year deposit rate is now 3.87%,both down 0.

关键词： lending benchmark banks currency dropped credit sl

Research on the Operation Mode and Theoretical Support of Relationship lending

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Social Networking 2017年第1期6卷 53-60页

作者： Xin Huang Shanghai Zhongzheng Daguang Investment Co. Ltd. Shanghai China

Traditional Folk relations of debit and credit have existed for thousands of years in Chinese society. In the rapidly develop of the context of mobile internet and social network, the borrowing that relies on the relationship among people is not just a financial domain scope discussion topic. In the rapidly developing Chinese mobile Internet, a new anonymous mechanism which is based on interpersonal credit extension and evaluation ultimately form borrowing is continuously formed.?In this paper, the author researches and analyzes on what is relationship lending mechanism, the basic operation modes of relationship lending mechanism, a part of theoretical supporting and values.

关键词： Relationship lending Social Network Credit Evaluation Theoretical Supports and Research

China Raises Deposit and lending Rates

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China Chemical Reporter 2010年第21期21卷 6-6页

China raises benchmark rates for deposit and lending by 25%,effective October20th,*** People’s Bank of China said to raise one-year deposit rates to 2.5% fromcurrent 2.25% and one-year lending rates to 5.56% from 5.31%.The move is to curb inflation and cool speculative property investments and housepurchases as well as prevent from hot-money liquidity,a senior economist said.

关键词： lending liquidity inflation investments economist

An Analysis of Evolution of lending Patterns of IFAD China's Rural Financial Project

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Asian Agricultural Research 2010年第3期2卷 5-9,14页

作者： WANG Yun-kui1,2,XIN Rui2 1.School of Economics and Management,Xinjiang Agricultural University,Urumqi 830052,China 2.Institute of Finance,Xinjiang University of Finance,Urumqi 830012,China

This paper tells us briefly the background and aims of the fundation of *** points out that IFAD plays an important part in helping the development of agriculture and food production in developing countries,and in reducing the poverty conditions in the poorest *** tells us that IFAD has offered donation to China for 8 times,with a total amount reaching to 56.839 million *** the development of the economy of China,IFAD has changed its lending financial policies to China from a highly beneficial policy to a moderate lending *** operation of the loan projects have greatly improved the living conditions and of the local and the conditions of agricultural production,promoting the improvement of economy,social stability,and *** discusses several lending patterns of IFAD China's rural financial *** government-leading model,which is represented by the IFAD financial lending ***-oriented model of formal financial institutions,which is represented by IFAD Rural Credit Cooperatives,with market *** supporting as secondary model,which are dominated by IFAD Women's lending patterns and Village Development Fund lending *** this paper,advantages and disadvantages of lending patterns are analyzed and *** discusses the development trend of IFAD financial lending patterns in terms of Rural Credit Cooperatives and a pattern which is community-oriented and farmers-benefited.

关键词： IFAD Rural Finance Project FAO lending patterns Ch

Assessment of net lending strategy to better reach mobile and migrant populations in malaria endemic areas of Cambodia

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Infectious Diseases of Poverty 2018年第1期7卷 1131-1143页

作者： Dysoley Lek Deyer Gopinath Sovann Ek Sopheab Heng Sreng Bun Chy Say Nguon Sokomar Kheang Soy Ty Huy Rekol National Center for Parasitology Entomology and Malaria Control Corner St.92village Trapeng SvayPhnom Penh ThmeySen SokPhnom PenhCambodia School of Public Health National Institute of Public HealthPhnom PenhCambodia World Health Organization Country Office for Thailand NonthaburiThailand University Research Co LLCPhnom PenhCambodia Department of Communicable Diseases Control Ministry of HealthPhnom PenhCambodia

Background:In Cambodia,internal migration involves migrants moving from non-malaria endemic areas to malaria endemic areas and vice *** majority of them work in farms or forests with various malaria transmission *** Cambodia,as one of the national approaches to ensure LLIN accessibility and use among mobile and migrant populations(MMPs),a lending scheme of long lasting insecticide treated nets(LLINs)was initiated among farm *** this net lending program,LLINs and long-lasting insecticide treated hammock nets(LLIHNs)will be distributed annually at workplace(*** farms,plantations,industrial sites,as identified by operational district and health center staff)on a ratio of one LLIN per one *** main objective of this study is to assess MMPs’accessibility to LLINs through a lending scheme with plantation owners in remote malaria endemic areas of ***:The study used a cross-sectional survey among MMPs using two-stage cluster sampling *** sampling frame is the list of farms in the four provinces of Banteay Meanchey,Battambang,Pailin,and Pursat in western and northwestern Cambodia bordering with Thailand where the LLIN lending scheme was implemented and where an estimated 100000 MMPs worked *** assessment was carried out from January to February 2013 in these four *** was estimated that 768 workers would be ***:A total of 702 MMPs were *** ratio of male:female is 1:*** age group of 21-60 was the largest accounting for 77.6%.About 91%of the MMPs stayed on the farm for less than 6 months.93.2%of them owned either untreated or insecticide treated *** and LLIHNs accounted for 89.5%;and 46.6%of them borrowed the nets from a lending *** those workers who have LLINs/LLIHNs,99%slept under LLINs/LLIHNs the night ***,only 87.4%knew that sleeping under LLINs/LLIHNs protects against ***:LLIN lending scheme provides an important delivery ch

关键词： Cambodia Malaria Mobile and migrant population Net lending

美国小企业P2P网络借贷分析与监管改革——基于lending Club的数据

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现代财经（天津财经大学学报） 2016年第4期36卷 44-53页

作者：韩民郑庆寰南开大学经济学院国际经济研究所天津300071 华东理工大学商学院上海200237

P2P网贷已经成为小企业融资的新型渠道,对弥补我国中小企业融资有效供给不足具有重要意义。本文以lending Club的数据为基础,建立信息不对称理论模型,剖析P2P网贷缓解信贷配给的机制以及存在的逆向选择风险。借鉴美国JOBS监管新规,建议... 详细信息

P2P网贷已经成为小企业融资的新型渠道,对弥补我国中小企业融资有效供给不足具有重要意义。本文以lending Club的数据为基础,建立信息不对称理论模型,剖析P2P网贷缓解信贷配给的机制以及存在的逆向选择风险。借鉴美国JOBS监管新规,建议对P2P小企业网贷实施功能性监管,建立包含平台主体法律地位、投融资限额、信息披露要求和投资者保护的全面监管框架。

关键词： P2P网络贷款小企业贷款 lending Club信息不对称

从lending Club看国内P2P借贷平台

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金融市场研究 2015年第2期75卷 40-52页

作者：王学恒何立中国信证券经济研究所

本文通过详细介绍美国P2P行业领跑者lending Club的发展历程、业务构成、收入来源、监管环境等,反观国内P2P借贷行业的机遇与风险,提出P2P平台应从信息中介走向资产管理,发展资产证券化业务。互联网金融不是颠覆,而应是当前金融业的优化。

关键词：互联网金融 lending Club P2P借贷资产管理

lending Club一旦成功将意味着什么

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经理人 2015年第1期 20-21页

作者：廖一凡

截至目前,lending Club共计获得4亿美元融资,投资方包括谷歌、KPCB、黑石、*** Price。2014年4月,lending Club完成最后一笔股权融资时,估值已高达37.6亿美元。如果lending Club上市成功,或许意味着P2P债权至少在美国完全有可能成为一... 详细信息

截至目前,lending Club共计获得4亿美元融资,投资方包括谷歌、KPCB、黑石、*** Price。2014年4月,lending Club完成最后一笔股权融资时,估值已高达37.6亿美元。如果lending Club上市成功,或许意味着P2P债权至少在美国完全有可能成为一种新的主流金融产品。

关键词：谷歌美元融资 Club lending 美国证券市场银行模式借款人信贷产品主承销商黑石