Artikel
Exploring the critical factors influencing online lending intentions
Background: Online lending (P2P lending) is a type of internet finance mainly used to meet the financial needs of small and medium-sized enterprises and groups of individuals. It is a supplement to the traditional financial system. Method: This paper uses PPDai.com - the most influential online lending platform in China - as a research object to study the leading factors that affect lenders' loan trust and perception of information asymmetry. It also studies the impacts of these factors on lending intention. Results: The results of this study show that the lending intention is mainly influenced by trust; perceived information asymmetry will affect trust, but it will not have a direct impact on lending intention. Trust is significantly affected by the borrowers' reputation and information integrity. Information asymmetry has various causes, including structural assurance and legitimacy. This perception of information asymmetry significantly prevents the further development of online P2P lending. Conclusion: The findings in this research imply that there are profound differences between online lending and online purchasing, thus the results obtained in the traditional e-commerce market cannot be applied in the field of online lending without verification.
- Sprache
-
Englisch
- Erschienen in
-
Journal: Financial Innovation ; ISSN: 2199-4730 ; Volume: 1 ; Year: 2015 ; Issue: 8 ; Pages: 1-11 ; Heidelberg: Springer
- Klassifikation
-
Management
- Thema
-
Internet investment
Internet finance
Trust
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Wang, Peng
- Ereignis
-
Veröffentlichung
- (wer)
-
Springer
- (wo)
-
Heidelberg
- (wann)
-
2015
- DOI
-
doi:10.1186/s40854-015-0010-9
- Handle
- Letzte Aktualisierung
-
10.03.2025, 11:45 MEZ
Datenpartner
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
Objekttyp
- Artikel
Beteiligte
- Wang, Peng
- Springer
Entstanden
- 2015
Ähnliche Objekte (12)
Exploring the critical factors influencing online lending intentions
Single‐Shot Reconfigurable Femtosecond Imaging of Ultrafast Optical Dynamics
Unbalanced relationship between flood risk perception and flood preparedness from the perspective of response intention and socio-economic factors: a case study of Nanjing, China
Endoscopic treatment of esophageal intramural abscess caused by embedded metal clip: a rare delayed complication of endoscopic submucosal dissection
Salpingo-oophorectomy versus cystectomy in patients with borderline ovarian tumors: a systemic review and meta-analysis on postoperative recurrence and fertility
Some existence results of positive solutions for p-Laplacian systems
Modeling habituation of auditory evoked fields using neural mass models
Atmospheric Water Harvesting: Role of Surface Wettability and Edge Effect
Relationship between sperm NAD + concentration and reproductive aging in normozoospermia men:A Cohort study
The social order of illegal markets in cyberspace: extralegal governance and online gambling in China
Filamentous recombinant human Tau activates primary astrocytes via an integrin receptor complex
Gasification Reaction Characteristics of Ferro-Coke at Elevated Temperatures
Exploring the critical factors influencing online lending intentions
Single‐Shot Reconfigurable Femtosecond Imaging of Ultrafast Optical Dynamics
Unbalanced relationship between flood risk perception and flood preparedness from the perspective of response intention and socio-economic factors: a case study of Nanjing, China
Endoscopic treatment of esophageal intramural abscess caused by embedded metal clip: a rare delayed complication of endoscopic submucosal dissection
Salpingo-oophorectomy versus cystectomy in patients with borderline ovarian tumors: a systemic review and meta-analysis on postoperative recurrence and fertility
Some existence results of positive solutions for p-Laplacian systems
Modeling habituation of auditory evoked fields using neural mass models
Atmospheric Water Harvesting: Role of Surface Wettability and Edge Effect
Relationship between sperm NAD + concentration and reproductive aging in normozoospermia men:A Cohort study
The social order of illegal markets in cyberspace: extralegal governance and online gambling in China
Filamentous recombinant human Tau activates primary astrocytes via an integrin receptor complex
Gasification Reaction Characteristics of Ferro-Coke at Elevated Temperatures
Exploring the critical factors influencing online lending intentions
Single‐Shot Reconfigurable Femtosecond Imaging of Ultrafast Optical Dynamics
Unbalanced relationship between flood risk perception and flood preparedness from the perspective of response intention and socio-economic factors: a case study of Nanjing, China
Endoscopic treatment of esophageal intramural abscess caused by embedded metal clip: a rare delayed complication of endoscopic submucosal dissection
Salpingo-oophorectomy versus cystectomy in patients with borderline ovarian tumors: a systemic review and meta-analysis on postoperative recurrence and fertility
Some existence results of positive solutions for p-Laplacian systems
Modeling habituation of auditory evoked fields using neural mass models
Atmospheric Water Harvesting: Role of Surface Wettability and Edge Effect
Relationship between sperm NAD + concentration and reproductive aging in normozoospermia men:A Cohort study
The social order of illegal markets in cyberspace: extralegal governance and online gambling in China
Filamentous recombinant human Tau activates primary astrocytes via an integrin receptor complex