Soft information in online peer-to-peer lending: Evidence from a leading platform in China

作者：

Highlights：

• Soft factors and their valid verification in P2P lending activities are investigated.

• Soft information helps to judge borrower’s creditworthiness.

• Borrowers’ profiles in their listing issuing and loan repayment are discussed.

• Conclusions of this paper help lenders to bid more rationally in lending activities.

摘要

•Soft factors and their valid verification in P2P lending activities are investigated.•Soft information helps to judge borrower’s creditworthiness.•Borrowers’ profiles in their listing issuing and loan repayment are discussed.•Conclusions of this paper help lenders to bid more rationally in lending activities.

论文关键词：Peer-to-peer lending,Soft information,Asymmetry information,Renrendai.com

论文评审过程：Received 28 December 2018, Revised 14 April 2019, Accepted 24 June 2019, Available online 28 June 2019, Version of Record 3 July 2019.

论文官网地址：https://doi.org/10.1016/j.elerap.2019.100873