원문정보
초록
영어
The rapid advances in technology allows developing unprecedented and disruptive enterprises in various industries, wherein paradigm shift is especially prominent in the financial industry. By utilizing unique and detailed data from SME P2P loan flagship company in Korea, I examined whether emerging P2P loan can serve as complementary or substitutive system to the existing financial industry, thereby enable to enhance the efficiency of the financing brokerage and establish themselves as financial instruments. We also incorporate individual investors’ characteristics into the model to look into how observed individuals’ characteristics may affect their investment decision. This paper presents the new opportunity of P2P lending platform in financial market which may benefit both investors and borrowers.
목차
머리말
문헌연구
가설 및 표본설정
3.1 대출상품/ 차입자 특성
3.2 투자자 특성
3.3 공통 특성
3.4 주요 변수 정의 및 표본 설정
실증분석
결론 및 시사점
참고문헌