文章摘要
借贷利率、用户规模与P2P网贷交易额:平台资本类型的调节作用*
Borrowing Interest Rate, User Scale and P2P Lending Turnover: Platform Capital Property’s Moderating Effect
投稿时间:2016-10-22  最后修改时间:2016-10-22
DOI:
中文关键词: P2P网贷交易额  借贷利率  用户规模  平台类型  组织合法性
英文关键词: P2P lending turnover  borrowing interest rate  user scale  capital property  organizational legitimacy
基金项目:国家自然科学基金面上项目“中国企业创业中制度缺失与战略反应的研究”(71372157);国家自然科学基金重点项目“中国转型经济背景下企业创业机会与资源开发行为研究”(71232011);本论文还获得国家留学基金资助。
作者单位E-mail
谢广营 中国人民大学 商学院 gmxie00514@ruc.edu.cn 
徐二明 中国人民大学 商学院  
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中文摘要:
      近年来,P2P网贷借助互联网金融大潮迅速发展,本质上是一种制度创业行为。当前行业已经进入规制与成长期,企业间竞争加剧,资本市场涌入,国资、银行、上市公司、风投背景的企业不断增多。文章以P2P网贷平台类型为切入点,从宏观行业数据着手对借贷利率、用户规模与P2P网贷交易额间的作用机制进行探讨。实证研究结果表明,平台类型对借贷利率影响P2P网贷交易额的路径具有调节作用,其中,用户规模充当着完全中介。对此,文章从新制度主义理论中的合法性视角进行了解释。
英文摘要:
      P2P lending develops quickly with the popularity of internet finance in recently years, which could be viewed as a kind of institutional entrepreneurship in essence. Now this industry has entered into regulative and growing period with a strong feature of fierce competition and increasing investing institutions such as state-owned business, banks, listed companies, venture firms and so on. This paper analyzes the influences of borrowing rate and user scale to P2P lending turnover from the angle of enterprise type with macroscopical industrial data. Results indicate that enterprise type has a moderating effect on the relationship between borrowing rate and P2P lending turnover, with user scale as complete mediation. Explanations have been made from the view of legitimacy based on new institutionalism theory.
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