Investment or Sponsor? Exploring the Antecedents of Lender's Behavioral Intentions for P2P Lending Service under Fintech Development.
| Autor: | WANG, CHIH-CHIEH, 王志傑 |
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| Rok vydání: | 2017 |
| Druh dokumentu: | 學位論文 ; thesis |
| Popis: | 105 With the development of financial technology nowadays, the pipeline of "lending and borrowing behavior " broke through the traditional medium of banking, transferring the traditional offline transactions to online operations, operating through the third-party platform of the network and charging certain fees or interest rates to the users. In the beginning, originated from Europe and the United States, then make the big development in China, and recently evolve in Taiwan. With its rapid growth, service patterns are slightly differentiated. For the banks, compared with the relatively large loan items such as mortgage loans and car loans, the value chain of each loan project is much larger than the "small amount of personal loans". People use online platform transactions to reduce costs, finding out the service gap in the traditional banking services. Solving the problem of idle funds, and making it work more efficiently in market. This study use the Elaboration Likelihood Model (ELM) by operating two independent variables: central routes (risk and return measurement), and one moderate variable: peripheral routes (the necessity of the loan use). This study uses a 2 (high risk / low risk) × 2 (high return / low return) × 2 (high necessity of the loan use / low necessity of the loan use) scenario experimental method to examine. Then we design the virtual lending environment of a P2P platform to let the subjects act as the lenders to make the lending decision according to the information we provide. In order to find the key variable which affects the lender’s loaning behavior most. Based on 320 validation samples, we find that (1) the higher lender’s measurement on risk, the lower intentions of their loaning behavior; (2) the higher lender’s measurement on return, the higher intentions of their loaning behavior; (3) No correlation between risk assessment and return measurement explains the lender’s complicated performance of integrated “investment behavior” and “sponsor behavior. (4) the necessity of the loan use will have the moderating effect between the risk assessment and intention of lender’s loaning behavior; (5) the necessity of the loan use will not have the moderating effect between return measurement and intention of lender’s loaning behavior. Finally, this study proposes some managerial implications and suggestions for future researches. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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