经济与社会研究院SEMINAR第72期

发布单位:项目管理科 [2017-11-13 15:21:07] 打印此信息

题目:Prosocial Compliance in P2P Lending: A Natural Field Experiment

主讲人:杜宁华

时间:2017111714:00-15:15

地点:暨南大学中惠楼106B会议室

主办方:暨南大学经济与社会研究院

  

主讲人简介:

杜宁华,现为上海财经大学经济学院常任教职副教授。2005年获得美国亚利桑那大学经济学博士学位,主要研究领域为实验经济学和行为经济学。近年来致力于行为市场设计,研究成果发表在包括Games and Economic BehaviorEuropean Economic Review在内的经济学国际一流刊物上,以及Journal of Economic Behavior and OrganizationDecision Support Systems等著名经济学和管理学国际期刊上。

  

Abstract:

We implement behavioral mechanisms in a natural field experiment to increase loan repayment rates on a peer-to-peer (P2P) lending website. The results show that text message reminders conveying lenders’ positive expectations considerably increase the likelihood that borrowers will repay their loans, whereas reminders emphasizing the adverse consequences for those who fail to repay their loans do not. Our experiments result in an increase in loan repayments in the sample period, and our reminders are cost-free to implement, demonstrating the potential importance of such interventions in enhancing prosocial compliance in P2P lending.