publication . Article . 2015

Exploring the critical factors influencing online lending intentions

Wang, Peng; Zheng, Haichao; Chen, Dongyu; Ding, Liangchao;
Open Access English
  • Published: 01 Jan 2015 Journal: volume 1, issue 1issn: 2199-4730, Copyright policy
  • Publisher: Heidelberg: Springer
Abstract
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 ...
Subjects
free text keywords: Trust, Internet finance, Internet investment, ddc:650
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publication . Article . 2015

Exploring the critical factors influencing online lending intentions

Wang, Peng; Zheng, Haichao; Chen, Dongyu; Ding, Liangchao;