我国P2P网络借贷平台信任机制分析研究.pdf

乏支付托管、信息反馈和风险保障机制。用户对支付托管、信息反馈、风 险保障以及逾期介入机制的有效性感知均对P2P网络借贷平台的信任有 显著的正向影响。其中，对支付托管有效性感知和信息反馈有效性感知的 作用最为明显，风险保障有效性感知对网络借贷平台促进作用次之，逾期 介入有效性感知对P2P平台的信任促进作用最弱。同时，控制变量平台 声誉要高于对四种制度因素的影响力。其次，风险偏好明显强于信息反馈、 风险保障和逾期介入有效性感知的影响。 关键词：P2P网络借贷平台；制度信任；电子商务信任；实证研究 论文类型：应用研究 Abstract Onlinemarketfor individualsmake Peer-to-Peer(PEP)lending，where unsecuredmicroloanstootherindividualborrowers．Initializedin bygroups online commercialonlineP2P started social networks，first lendingplatform inLondonin2005．ThismarketWaS nonexistentin2007inChinabut virtually haS sincethen．Thenumberof is significantgrowth experienced platforms atarateof isanew model increaSing 400％everyyear．P2Plending operating of Internetand isusedtomeettheneedsof connecting microfmance，which smallloansfrommedium or ofindividuals．Soitisan enterprises groups effective tothetraditionalfmancial it a complement system．Andprovides new to existenceofonlineto is lending wayinvest．Obviously，the peerpeer andreaSonable． necessary Giventhe natureofonline anonymous lending，P2Plendingplatforms a roleintheonline playgreat lending informationwillbealleviated thetrustmechanism effectivelybyestablishing forP2Ponline is