Effects of borrower-defined conditions in the online peer-to-peer lending market

Lecture Notes in Business Information Processing

Volumn 108 LNBIP, Issue , 2012, Pages 167-179

  Qiu, Jiaxian ^a   Lin, Zhangxi ^a,b   Luo, Binjie ^a,b  

^a SOUTHWESTERN UNIVERSITY OF FINANCE AND ECONOMICS   (China)

^b TEXAS TECH UNIVERSITY   (United States)

Author keywords

Borrower Decisions; Funding Results; Lending; P2P lending

Indexed keywords

ELECTRONIC COMMERCE; LOGISTIC REGRESSION;

BORROWER DECISIONS; FUNDING RESULTS; LENDING; MULTINOMIAL LOGIT MODEL; P2P LENDING; PEER-TO-PEER LENDING; PERSONAL INFORMATION; TRANSACTION DATA;

FINANCE;

EID: 84879711130     PISSN: 18651348     EISSN: None     Source Type: Book Series    
DOI: 10.1007/978-3-642-29873-8_16     Document Type: Conference Paper

References (19)

1. Greiner, M.E., Wang, H.: Building Consumer-to-Consumer Trust in E-Finance Marketplaces: An Empirical Analysis. International J. of E. Comm. 15, 105-136 (2011)
2. Lin, M., Prabhala, N.R., Viswanathan, S.: Judging borrowers by the company they keep: Social networks and adverse selection in online peer-to-peer lending. In: Western Finance Association 2009 Annual Meeting Paper: Smith School of Business, University of Maryland (2009)
3. Qiu, J., Xu, Y., Chen, D., Zhang, G.: The Roles of Social Capital in Online P2P Lending Markets under Different Cultures: A Comparison of China and America. In: The Tenth International Conference on Electronic Business, Shanghai (2010)
4. Puro, L., Teich, J.E., Wallenius, H., Wallenius, J.: Borrower decision aid for people-topeople lending. Sup. Syst. 49, 52-60 (2010)
5. Chen, N., Ghosh, A., Lambert, N.S.: Auctions for Social Lending: A Theoretical Analysis in Research Paper No. 2078 Stanford Graduate School of Business (2011)
6. Wu, J., Xu, Y.: A Decision Support System for Borrower's Loan in P2P Lending. J. of Comp. 6, 1183-1190 (2011)
7. Xu, Y., Qiu, J., Chen, D.: Profit vs. Non-Profit Business Based on P2P Lending: A Cross-Country Multiple Case Study. In: The Tenth International Conference on Electronic Business, Shanghai (2010)
8. Qiu, J., Xu, Y., Chen, D., Zhang, G.: The effects of Social Capital In Chinese Online P2P Lending Market. In: 2011 International Conference on Innovation and Information Management, Chengdu (2011)
9. Soares, A.M., Farhangmehr, M., Shoham, A.: Hofstede's dimensions of culture in international marketing studies. J. of Busi. Res. 60, 277-284 (2007)
10. Pavlou, P.A., Liang, H.: Understanding and mitigating uncertainty in online exchange relationships: A principle agent perspective. MIS Quarterly 31, 1-32 (2007)
11. Stewart, K.: Trust transfer on the World Wide Web. Org. Sci. 14, 5-17 (2003)
12. Collier, B., Hampshire, R.: Sending mixed signals: Multilevel reputation effects in Peer-to-Peer lending markets. In: Proceedings of the 2010 ACM Conference on Computer Supported Cooperative Work, Savannah, Georhia, USA (2010)
13. Iyer, R., Khwaja, A.I., Luttmer, E.F.P.: Screening in new credit markets: Can individual lenders infer borrower creditworthiness in peer-to-peer lending?. National Bereau of Economic Research: NBER Working Paper No. 15242 (2009)
14. Everett, G.R.: Group Membership, Relationship Banking and Loan Default Risk: The Case of Online Social Lending (2008)
15. Granovetter, M.S.: Economic Action and Social Structure: The Problem of Embeddedness. Amer. J. of Soci. 91, 481-510 (1985)
16. Lopez, S.H.: Social interactions in P2P lending. In: Proceedings of the 3rd Workshop on Social Network Mining and Analysis, New York (2009)
17. Kumar, S.: Bank of One: Empirical Analysis of Peer-to-Peer Financial Marketplaces. In: Proceedings of Thirteenth Americas Conference on Information System, Atlanta (2007)
18. Puro, L., Teich, J.E., Wallenius, H., Wallenius, J.: Bidding strategies for real-life small loan auctions. Dec. Sup. Syst. 51, 31-41 (2010)
19. Berger, S.C., Gleisner, F.: Emergence of Financial Intermediaries on Electronic Markets: The Case of Online P2P Lending. Busi. Res. 2, 39-65 (2009)