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Internet Financial Risks and Investors’Risk Awareness--Evidence from Transaction Data of online lending platforms

China Finance and Economic Review 2019年第3期8卷 59-74页

作者： Dongsheng Deng Zhao Chen China Center for Economic Studies Fudan UniversityChina

For the first time,this paper uses the operation data of 575 online p2p lending platforms to test whether investors have a strong risk awareness of online lending *** is found that investors’behavior shows a certain risk awareness,both for the individual risk of specific platforms and for the overall market risk of the *** the one hand,raising interest rates and shortening the term does attract more investment,but for potentially problematic platforms,the effect of attracting investment is significantly worse,with excessive interest rates on the platforms even causing investors to invest *** the other hand,when there are more online lending platforms in the market,investors will behave more cautiously.

关键词： online p2p lending problematic platforms market risk risk awareness

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How does an individual’s default behavior on an online peer-to-peer lending platform influence an observer’s default intention?

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Financial Innovation 2020年第1期6卷 591-610页

作者： Mingfeng Tang Mei Mei Cuiwen Li Xingyang Lv Xushuang Li Lihao Wang Sino-French Innovation Research Center School of Business AdministrationSouthwestern University of Finance and EconomicsNo.55Guanghua Cun StreetChengdu 610074China School of Business Administration Southwestern University of Finance and EconomicsChengduChina Haerbin University of Science and Technology Rongcheng Campus RongchengChina School of Economics Zhejiang UniversityHangzhouChina Syracuse University SyracuseUSA

previous studies indicate that individuals’default behaviors on online peer-to-peer(p2p)lending platforms greatly influence other borrowers’default ***,the mechanism of this impact is not ***,there is scarce research in regard to which factors influence the relationship between an individual’s default behavior and an observer’s default *** important questions are yet to be resolved;hence,we conducted two experiments using the scenario-based research method,focusing on Chinese online p2p lending *** results indicate that an individual’s default behavior can trigger an observer’s default intention as a result of the imperfect punitive measures as they currently exist on Chinese online p2p lending *** the observer’s moral disengagement level and pragmatic self-activation level serve as mediating *** situations where an observer knows an individual’s default behavior,the level of intimacy between the defaulter and observer positively affects the relationship between their default behavior and *** intimacy level also positively influences the relationship between the individual’s default behavior and the two mediator *** on the findings,we provide management suggestions in the context of online p2p *** study sets a foundation for future research to utilize other methods to extend the present research findings to other regions and domains.

关键词： online p2p lending Individual default behavior Observer default intention Moral disengagement pragmatic self-activation

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