Qin Yang
ABSTRACT
Online Peer-to-peer lending (hereafter P2P lending), is a new method of lending money to unrelated individuals through an online financial intermediary. Usually in an online P2P transaction, borrowers and lenders have no previous relationship or seldom. A borrower submits a loan request and a lender chooses to fund that request or not. Based on enormous previous studies, this study develops an integrated model, particularly for the online P2P lending environment, to better understand the critical factors that influence lending intention through online P2P lending platform.
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Index Terms
- Critical factors of the lending intention of online P2P: moderating role of perceived benefit
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