网络借贷中借款人履约的逆向激励——基于“人人贷”数据的经验证据 -- 上海财经大学期刊社

1 高琳,高伟华. 竞争效应抑或规模效应−辖区细碎对城市长期经济增长的影响[J]. 管理世界,2018,(12):67−80. DOI:10.3969/j.issn.1002-5502.2018.12.007

2 胡金焱,李建文,张博. P2P网络借贷是否实现了普惠金融目标[J]. 世界经济,2018,(11):169−192.

3 贾生华,吴波. 基于声誉的私人契约执行机制[J]. 南开经济研究,2004,(6):16−20. DOI:10.3969/j.issn.1001-4691.2004.06.003

4 江曙霞,罗杰,黄君慈. 信贷集中与扩张、软预算约束竞争和银行系统性风险[J]. 金融研究,2006,(4):40−48.

5 廖理,吉霖,张伟强. 借贷市场能准确识别学历的价值吗?−来自P2P平台的经验证据[J]. 金融研究,2015,(3):146−159.

6 米运生,廖祥乐,石晓敏,等. 动态激励、声誉强化与农村互联性贷款的自我履约[J]. 经济科学,2018,(3):102−115.

7 青木昌彦. 比较制度分析[M]. 周黎安译. 上海: 上海远东出版社, 2001.

8 沈坤荣,孙文杰. 投资效率、资本形成与宏观经济波动−基于金融发展视角的实证研究[J]. 中国社会科学,2004,(6):52−63.

9 王博,张晓玫,卢露. 网络借贷是实现普惠金融的有效途径吗−来自“人人贷”的微观借贷证据[J]. 中国工业经济,2017,(2):98−116.

10 王擎,吴玮,黄娟. 城市商业银行跨区域经营:信贷扩张、风险水平及银行绩效[J]. 金融研究,2012,(1):141−153.

11 王馨. 互联网金融助解“长尾”小微企业融资难问题研究[J]. 金融研究,2015,(9):128−139.

12 谢平,邹传伟,刘海二. 互联网金融的基础理论[J]. 金融研究,2015,(8):1−12. DOI:10.3969/j.issn.1009-3109.2015.08.001

13 杨立,赵翠翠,陈晓红. 基于社交网络的P2P借贷信用风险缓释机制研究[J]. 中国管理科学,2018,(1):47−56.

14 张兵,刘丹,李祎雯. 匹配经济学视角下农户借贷匹配决定因素的实证分析[J]. 经济科学,2014,(4):93−105.

15 张皓星,黄益平. 情绪、违约率与反向挤兑−来自某互金企业的证据[J]. 经济学(季刊),2018,(4):1503−1524.

16 Alchian A A,Demsetz H. Production,information costs,and economic organization[J]. IEEE Engineering Management Review,1975,3(2): 21−41. DOI:10.1109/EMR.1975.4306431

17 Ashenfelter O,Krueger A. Estimates of the economic return to schooling from a new sample of twins[J]. The American Economic Review,1994,84(5): 1157−1173.

18 Balli H O,Sørensen E B. Interaction effects in econometrics[J]. Empirical Economics,2013,45(1): 583−603. DOI:10.1007/s00181-012-0604-2

19 Calvet L E,Campbell J Y,Sodini P. Measuring the financial sophistication of households[J]. The American Economic Review,2009,99(2): 393−398. DOI:10.1257/aer.99.2.393

20 Calvet L E, Sodini P. Twin picks: Disentangling the determinants of risk-taking in household portfolios[R]. SAFE Working Paper No. 13, 2013.

21 Chen X,Huang B H,Ye D Z. The role of punctuation in P2P lending:Evidence from China[J]. Economic Modelling,2018,68: 634−643. DOI:10.1016/j.econmod.2017.05.007

22 Chowdhury S,Chowdhury P R,Sengupta K. Sequential lending with dynamic joint liability in micro-finance[J]. Journal of Development Economics,2014,111: 167−180. DOI:10.1016/j.jdeveco.2014.09.002

23 Christelis D,Georgarakos D,Haliassos M. Differences in portfolios across countries:Economic environment versus household characteristics[J]. Review of Economics and Statistics,2013,95(1): 220−236. DOI:10.1162/REST_a_00260

24 Dermine J,De Carvalho C N. Bank loan losses-given-default:A case study[J]. Journal of Banking & Finance,2006,30(4): 1219−1243.

25 Diamond D W. Reputation acquisition in debt markets[J]. Journal of Political Economy,1989,97(4): 828−862. DOI:10.1086/261630

26 Emekter R,Tu Y B,Jirasakuldech B. Evaluating Credit risk and loan performance in online peer-to-peer(P2P)Lending[J]. Applied Economics,2015,47(1): 54−70. DOI:10.1080/00036846.2014.962222

27 Harmon H,Walker I. Estimates of the economic return to schooling for the United Kingdom[J]. The American Economic Review,1995,85(5): 1278−1286.

28 Herzenstein M,Sonenshein S,Dholakia U M. Tell me a good story and I may lend you money:The role of narratives in Peer-to-Peer Lending decisions[J]. Journal of Marketing Research,2011,48(SPL): S138−S149. DOI:10.1509/jmkr.48.SPL.S138

29 Kreps DM,Milgrom P,Roberts J,et al. Rational cooperation in the finitely repeated prisoners' dilemma[J]. Journal of Economic Theory,1982,27(2): 245−252. DOI:10.1016/0022-0531(82)90029-1

30 Laffont J J, Rey P. Moral hazard, collusion and group lending[R]. IDEI Working Papers 122, 2003.

31 Lichtenstein S,Fischhoff B. Do those who know more also know more about how much they know?[J]. Organizational Behavior and Human Performance,1977,20(2): 159−183. DOI:10.1016/0030-5073(77)90001-0

32 Mailath G J,Samuelson L. Who wants a good reputation?[J]. The Review of Economic Studies,2001,68(2): 415−441. DOI:10.1111/1467-937X.00175

33 Michels J. Do unverifiable disclosures matter?Evidence from peer-to-peer lending[J]. The Accounting Review,2012,87(4): 1385−1413. DOI:10.2308/accr-50159

34 Sala-I-Martin X,Doppelhofer G,Miller R I. Determinants of long-term growth:A Bayesian averaging of classical estimates(BACE)Approach[J]. The American Economic Review,2004,94(4): 813−835. DOI:10.1257/0002828042002570

35 Stein J C. Information production and capital allocation:Decentralized versus hierarchical firms[J]. The Journal of Finance,2002,57(5): 1891−1921. DOI:10.1111/0022-1082.00483

36 Stiglitz J E,Weiss A. Credit rationing in markets with imperfect information[J]. The American Economic Review,1981,71(3): 393−410.

37 Tedeschi G A. Here today,gone tomorrow:Can dynamic incentives make microfinance more flexible?[J]. Journal of Development Economics,2006,80(1): 84−105. DOI:10.1016/j.jdeveco.2005.01.003

38 Vissing-Jorgensen A. Towards an explanation of household portfolio choice heterogeneity: Nonfinancial income and participation cost structures[R]. NBER Working Papers 8884, 2002.