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논문검색

Credit Sharing Economy : 자본시장 효율성 제고를 위한 P2P 대출의 역할과 가능성에 대한 실증 연구

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

Abstract
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

저자정보

  • 김건수 KAIST
  • 최애리 Florida State University
  • 오원석 KAIST

참고문헌

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