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AuthorShen, Li Hong
AuthorKhan, Habib Ullah
AuthorHammami, Helmi
Available date2022-12-27T11:31:48Z
Publication Date2021-03
Publication NameJournal of Alternative Investments
Identifierhttp://dx.doi.org/10.3905/JAI.2021.1.128
CitationShen, L. H., Khan, H. U., & Hammami, H. (2021). An empirical study of lenders’ perception of chinese online peer-to-peer (P2P) lending platforms. The Journal of Alternative Investments, 23(4), 152-175.
ISSN1520-3255
URIhttps://www.scopus.com/inward/record.uri?partnerID=HzOxMe3b&scp=85105090343&origin=inward
URIhttp://hdl.handle.net/10576/37689
AbstractOnline peer-to-peer (P2P) lending volume has rapidly increased in China because of high financing and investment demands. However, high borrowing default and fraud rates have negatively affected Chinese online P2P lending because of its unique financial and undeveloped credit systems. They have prompted the Chinese government to issue regulations on Internet finance behavior to support online P2P lending. This research investigates online P2P lenders’ investment perceptions to understand investment intention related to online P2P lending. The research model is based on planned behavior theory. A questionnaire on attitudes collected data from voluntary participants; the data were analyzed with confirmatory factor analysis and structural equation modeling. The findings show that lenders’ attitudes, behavioral controls, and subjective norms—and those three constructs’ antecedents, except relative advantages—have a positive and significant influence on lenders’ online P2P lending intentions.
Languageen
PublisherPortfolio Management Research
SubjectCredit risk management
Emerging markets*
Fixed income and structured finance
Legal/regulatory/public policy
Risk management
TitleAn empirical study of lenders’ perception of Chinese online peer-to-peer (P2P) lending platforms
TypeArticle
Pagination152-175
Issue Number4
Volume Number23
dc.accessType Abstract Only


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