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P2P网贷是近几年兴起的一种新型民间借贷模式,作为传统银行借贷的一个补充,P2P网贷的发展必须建立在投资者信任的基础上。该文首先基于P2P网贷的现状和信任理论建立P2P网贷的信任模型。然后遴选国内105家网贷平台的1072条网络借贷的数据进行实证研究,发现我国P2P网贷的投资者对网络借贷的信任首先是基于对平台的信任,其次才是对借款人的信任。平台的背景、资本实力、上线时间和抵押担保方式等均显著影响利率。借款人身份、借款期限、借款金额等对借款利率也产生影响。
P2P net loan is a new type of private lending model that has emerged in recent years. As a supplement to traditional bank lending, the development of P2P net loan must be based on the trust of investors. First of all, based on the status quo of P2P lending and trust theory, this paper establishes the trust model of P2P lending. Then we choose the data of 1072 internet loans of 105 domestic network loan platforms to do empirical research. It is found that the trust of P2P investors in China is firstly based on the trust of platform and secondly the trust of borrowers. The background of the platform, capital strength, on-line time and mortgage guarantee methods all have a significant impact on interest rates. The identity of the borrower, the duration of the loan, the amount of the loan, etc. also have an impact on the interest rate of the loan.