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http://hdl.handle.net/10397/92721
Title: | Social capital, trusting, and trustworthiness : evidence from peer-to-peer lending | Authors: | Hasan, I He, Q Lu, H |
Issue Date: | Jun-2022 | Source: | Journal of financial and quantitative analysis, June 2022, v. 57, no. 4, p. 1409-1453 | Abstract: | How does social capital affect trust? Evidence from a Chinese peer-to-peer lending platform shows regional social capital affects the trustee’s trustworthiness and the trustor’s trust propensity. Ceteris paribus, borrowers from higher social capital regions receive larger bid from individual lenders, have higher funding success, larger loan size, and lower default rates, especially for low-quality borrowers. Lenders from higher social capital regions take higher risks and have higher default rates, especially for inexperienced lenders. Cross-regional transactions are most (least) likely to be realized between parties from high (low) social capital regions. | Publisher: | Cambridge University Press | Journal: | Journal of financial and quantitative analysis | ISSN: | 0022-1090 | EISSN: | 1756-6916 | DOI: | 10.1017/S0022109021000259 | Rights: | © The Author(s), 2021. Published by Cambridge University Press on behalf of the Michael G. Foster
School of Business, University of Washington. This is an Open Access article, distributed under the terms
of the Creative Commons Attribution licence (http://creativecommons.org/licenses/by/4.0/), which permits
unrestricted re-use, distribution, and reproduction in any medium, provided the original work is properly
cited. The following publication Hasan, I., He, Q., & Lu, H. (2022). Social capital, trusting, and trustworthiness: Evidence from peer-to-peer lending. Journal of Financial and Quantitative Analysis, 57(4), 1409-1453 is available at https://doi.org/10.1017/S0022109021000259 |
Appears in Collections: | Journal/Magazine Article |
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