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題名:P2P網絡信貸投資意愿形成機制實證研究
書刊名:西南民族大學學報(人文社科版)
作者:趙丹屈錫華
出版日期:2016
卷期:2016(3)
頁次:121-127
主題關鍵詞:P2P網絡信貸初始信任感知收益感知風險投資意愿
原始連結:連回原系統網址new window
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  • 點閱點閱:12
為了更好地了解P2P網絡信貸投資行為意愿形成機制,本文在電子商務和行為金融理論的基礎上,針對P2P網絡信貸平臺建立了投資者投資意愿模型。通過實證研究發現,初始信任和感知收益是投資者投資意愿主要前導因素;感知風險會顯著影響對平臺的初始信任,但是不會對投資標的初始信任產生顯著影響;投資標的初始信任受到平臺初始信任的顯著影響;而投資意愿主要受到對平臺初始信任的影響,對產品標的的初始信任與投資意愿沒有顯著關系。網絡信貸平臺需要強化平臺規范管理、嚴格自律、樹立自身信譽口碑,更能有效吸引投資者,促進自身及網絡信貸行業的健康持續發展。
期刊論文
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