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
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 - 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 ...
free text keywords: Trust, Internet finance, Internet investment, ddc:650
20 references, page 1 of 2

Bachmann A, Becker A, Buerckner D, Hike M, Kock F, Lehmann M, Funk B (2011) Online peer-to-peer lending-a literature review. J Internet Banking Commerce 16(2):1-18

Chen D, Han C (2012) A comparative study of online P2P lending in the USA and China. J Internet Banking Commerce 17(2):2-5

Chen M, Wang G, Deng S (2008) Sunyuan. Compared with the mechanism of the formation of initial and sustainable online trust. Manag Sci Res 29(5):187-195

Duarte J, Siegel S, Young L (2012) Trust and credit: the role of appearance in peer-o-peer lending. Rev Financ Stud 25(8):2455-2484

Fornell C, Larcker DF (1981) Evaluating structural equation models with unobservable variables and measurement error. J Mark Res 18(1):39-50

Freedman S, Jin GZ (2008) Do social network solve information problems for peer-to-peer lending? Evidence from, Working paper. University of Maryland & NBER, Maryland

Gefen D, Straub D (2005) A practical guide to factorial validity using Pls-graph: tutorial and annotated example. Commun Assoc Inf Syst 16:91-09

Greiner ME, Wang H (2010) Building consumer-to-consumer trust in E-finance marketplaces: an empirical analysis. Int J Electron Commer 15(2):105-136

Herzenstein M, Dholakia UM, Andrews RL (2011) Strategic herding behavior in peer-to-peer loan auctions. J Interact Mark 25(1):27-36

Kim DJ, Feeein DL, Rao HR (2008) A trust-based consumer decision-making model in electronic commerce: the role of trust, perceived risk and their antecedents. Decis Support Syst 44(2):544-564

Lee E, Lee B (2012) Herding behavior in online P2P lending: an empirical investigation. Electron Commer Res Appl 11(5):495-503

Lin MF, Prabhala NR, Viswanathan S (2013) Judging borrowers by the company they keep: friendship network and information asymmetry in online peer-to-peer lending. Manag Sci 59(1):17-35

Ma Q, Zhaojia, Zhang Y, Hao J (2012) Study on the influence mechanism of customer initial trust in C2C environment: moderating effects of online shopping experience. Manag Rev 24(7):70-81

Nahapiet S, Ghoshal S (1998) Social capital, intellectual capital and the organizational advantage. Acad Manag Rev 23(2):242-266

Pavlou PA (2003) Consumer acceptance of electronic commerce: integrating trust and risk with the technology acceptance model. Int J Electron Commer 7(3):101-134

20 references, page 1 of 2
Powered by OpenAIRE Open Research Graph
Any information missing or wrong?Report an Issue
publication . Article . 2015

Exploring the critical factors influencing online lending intentions

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