Earlier research has mainly focused on determining elements which affect the fresh habits out-of borrowers and you may lenders
With the debtor top, hard pointers circumstances including gender (Barasinska 2009), ages, battle, physiological have (Sydnor and you will Pope 2009; Pope and Sydnor 2011), mortgage dimensions, borrower economic points (Collier and Hampshire 2010), credit scores, credit card fool around with, and you can borrower facts (Lin mais aussi al. 2009; Lin 2009; Serrano-Cinca ainsi que al. 2015) determine perhaps the person usually standard into a loan. Enough smooth suggestions items including social networking sites (Lin et al. 2009; Lin 2009), affiliation which have credible organizations (Lopez 2009; Lopez et al. 2009) and personal capital (Greiner and you may Wang 2009; Lin 2012; Zhang mais aussi al. 2017) also influence new success rate from financing, the mortgage interest rate, and you will standard behavior. Concerning the lending company side, there are a number of studies to the specific investor habits eg while the herding (Herzenstein et al. 2011).
Literary works comment and browse hypotheses
Although not, the existing literary works generally concentrates on on the internet P2P systems on the You (elizabeth.g., Prosper) and also mostly forgotten eg platforms inside the developing regions such as for instance Asia. Students have used P2P system study in China to study the fresh new impact of platform information regarding on line P2P lending deals and debtor/lender conclusion (Wang et al. 2020) also to decide to try whether or not buyer focus impacts the fresh get back inside the on line lending surroundings (He et al. 2020). When you find yourself P2P students made tall services to examine the fresh determinants off default habits inside the P2P lending, the existing studies have mainly worried about borrower defaults.Selengkapnya »Earlier research has mainly focused on determining elements which affect the fresh habits out-of borrowers and you may lenders