貸款人倫理對在線P2P借貸的貸款意向影響研究
發(fā)布時間：2024-05-18 11:35
P2P在線借貸是沒有傳統(tǒng)金融機構(gòu)中介的在線創(chuàng)新貸款和投資。在以前的研究中,研究人員研究了影響貸款人決策的因素,包括貸款人的人口特征,從眾行為等幾個方面。然而,很少有從倫理道德方面對在線P2P借貸進行的研究。因此,本研究的目的在于探索和開發(fā)綜合模型,通過將信任用作中介因素,檢驗P2P在線貸款人的倫理道德對他們借貸意向的影響,并確定影響貸方倫理道德與借貸意向之間關(guān)系的因素(借款人的人口特征和預期風險)為了檢驗倫理道德的影響,本研究運用道德決策模型和網(wǎng)絡信任模型開發(fā)了一個綜合模型。由測量量表組成的問卷是在P2P借貸和電子商務的背景下根據(jù)和發(fā)展目前的研究而形成。在線研究樣本是從412個有效樣本中收集的,這些樣本經(jīng)常使用網(wǎng)上銀行,進行網(wǎng)上交易或有使用在線P2P借貸的經(jīng)驗。收集問卷后,我們將使用SPSS 22(社會科學統(tǒng)計軟件包)通過使用描述統(tǒng)計中的頻率和百分比來識別樣本的特征。和用SEM的Amos22來測試模型和分析數(shù)據(jù)。結(jié)果表明,社會共識,接近度和道德哲學對借款人的信任有顯著的積極影響。同樣,借款人的信任度也對貸款人的借款意向有明顯的正面影響。然而,感知倫理對借款人的信任度并沒有明顯影響。本研...
【文章頁數(shù)】：97 頁
【學位級別】：碩士
【文章目錄】：
摘要
Abstract
Chapter 1 Introduction
1.1 Introduction
1.2 Significance of the study
1.3 Research questions
1.4 Research objectives
1.5 Technology roadmap
1.6 Definition of key terms
Chapter 2 Literature review
2.1 Online Peer-to-Peer )P2P( lending
2.1.1 Definition of online P2P lending
2.1.2 Influencing factors on online P2P lending
2.1.3 Trust and lender’s lending intention in online P2P lending
2.2 Ethics
2.2.1 Definition of Ethics
2.2.2 Ethics and Factors influence on Ethics
2.2.3 Ethics and Culture
2.3 Trust
2.3.1 Definition of trust
2.3.2 Factors influence on trust
2.4 The relationship between ethics and trust
2.5 Theory and Model
2.5.1 Ethical Decision Making
2.5.2 Web Trust Model(McKnight, Choudhury, & Kacmar, 2002)
Chapter 3 Conceptual framework and hypotheses
3.1 Ethics in lender and lenders’ trust in borrower
3.2 Demographics of Borrower
3.3 Lenders’ trust in borrower and lenders’ lending intention
3.4 Perceived risk
Chapter 4 Research methodology
4.1 Participants
4.2 Design
4.3 Measure
4.4 Pilot test
4.4.1 Content validity
4.4.2 Reliability
4.4.3 Kaiser-Mayer-Olkin and Bartlett's test
4.5 Data analysis
Chapter 5 Data analysis and Results
5.1 Descriptive Analysis
5.2 Structural Equation modeling
5.2.1 Measurement model
5.2.2 Structural Model
5.3 Hypothesis testing
5.4 Modified model
Chapter 6 Discussion and Conclusions
6.1 Major research findings
6.2 Practical Implications
6.3 Conclusions
6.4 Limitations and Future research
Reference
Appendix A The result of mediator test
Appendix B The result of modified full SEM
Appendix C Questionnaire
碩士學位期間取得的研究成果
Acknowledgements
附件
本文編號：3976873
【文章頁數(shù)】：97 頁
【學位級別】：碩士
【文章目錄】：
摘要
Abstract
Chapter 1 Introduction
1.1 Introduction
1.2 Significance of the study
1.3 Research questions
1.4 Research objectives
1.5 Technology roadmap
1.6 Definition of key terms
Chapter 2 Literature review
2.1 Online Peer-to-Peer )P2P( lending
2.1.1 Definition of online P2P lending
2.1.2 Influencing factors on online P2P lending
2.1.3 Trust and lender’s lending intention in online P2P lending
2.2 Ethics
2.2.1 Definition of Ethics
2.2.2 Ethics and Factors influence on Ethics
2.2.3 Ethics and Culture
2.3 Trust
2.3.1 Definition of trust
2.3.2 Factors influence on trust
2.4 The relationship between ethics and trust
2.5 Theory and Model
2.5.1 Ethical Decision Making
2.5.2 Web Trust Model(McKnight, Choudhury, & Kacmar, 2002)
Chapter 3 Conceptual framework and hypotheses
3.1 Ethics in lender and lenders’ trust in borrower
3.2 Demographics of Borrower
3.3 Lenders’ trust in borrower and lenders’ lending intention
3.4 Perceived risk
Chapter 4 Research methodology
4.1 Participants
4.2 Design
4.3 Measure
4.4 Pilot test
4.4.1 Content validity
4.4.2 Reliability
4.4.3 Kaiser-Mayer-Olkin and Bartlett's test
4.5 Data analysis
Chapter 5 Data analysis and Results
5.1 Descriptive Analysis
5.2 Structural Equation modeling
5.2.1 Measurement model
5.2.2 Structural Model
5.3 Hypothesis testing
5.4 Modified model
Chapter 6 Discussion and Conclusions
6.1 Major research findings
6.2 Practical Implications
6.3 Conclusions
6.4 Limitations and Future research
Reference
Appendix A The result of mediator test
Appendix B The result of modified full SEM
Appendix C Questionnaire
碩士學位期間取得的研究成果
Acknowledgements
附件
本文編號：3976873
本文鏈接：http://www.lk138.cn/jingjilunwen/guojimaoyilunwen/3976873.html
最近更新
教材專著
