6556 
5712银行和企业通过抱团、组建联盟来充分运用和整合市场资源，抱团能给银行、企业注入竞争与发展的强大活力，使其携手应对严峻形势，度过“寒冬”，那么在互联网金融领域，借款人通过抱团、加入群组，是否能够像银行或企业那样“取暖”。本文选取Prosper网络借贷平台上的交易数据为样本，从五个视角实证分析群组制度对P2P网络借贷行为的影响，结果显示不同借款人选择是否抱团的策略不同，借款人抱团在一定程度上可以“取暖”，但不同借款人的“取暖效果”不同。具体而言：信用等级越低的借款人更倾向于加入群组，并且加入群组对其借款成功率和借款利率的影响更为明显；加入群组可以显著地提高借款成功率，降低借款利率，提高筹资效率，但加入群组的借款人的事后还款表现欠佳，违约率偏高。本文的研究为国内P2P网络平台借贷的健康发展提供了有益借鉴。
抱团是否可以取暖？——群组制度对P2P借贷行为的影响研究
摘要
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引用本文
彭红枫, 杨柳明. 抱团是否可以取暖？——群组制度对P2P借贷行为的影响研究[J]. 外国经济与管理, 2017, 39(5): 85–99.
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