Monthly Archives червня 2024

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Into the borrower side, tough pointers issues such as for example sex (Barasinska 2009), age, race, physiological has (Sydnor and you may Pope 2009; Pope and you may Sydnor 2011), mortgage size, debtor monetary factors (Collier and you may Hampshire 2010), credit ratings, credit card have fun with, and you may debtor facts (Lin mais aussi al. 2009; Lin 2009; Serrano-Cinca mais aussi al. 2015) influence if the individual will standard on that loan. An abundance of silky recommendations points eg social media sites (Lin ainsi que al. 2009; Lin 2009), affiliation with legitimate teams (Lopez 2009; Lopez ainsi que al. 2009) and you will societal financial support (Greiner and you can Wang 2009; Lin 2012; Zhang mais aussi al. 2017) along with dictate the fresh success rate out of that loan, the mortgage interest rate, and you may default choices. In regard to the lending company front, there have been a few studies on the specific individual behaviors including given that herding (Herzenstein ainsi que al. 2011).

Literary works review and lookup hypotheses

Yet not, the current literature generally concentrates on online P2P programs on United states (elizabeth.g., Prosper) and has mainly forgotten including systems inside developing regions particularly China.

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