| Online P2P lending (Online Peer-to-Peer Lending, or Online people-to-People Lending, also known as Social Lending), that is a web-based Lending between the individual and the individual, is also named as a kind of financial innovation after the first P2P lending website Zopa was opened in UK.The online P2P lending is not dependent on the traditional financial institutions, directly on the Internet through the trading platform to achieve a way of financial lending business, is a kind of Innovative services of a financial by combined with Internet technology and traditional financial services. Online P2P lending platform is the website to provide peer-to-peer online lending services.Online through P2P lending platform, the borrower submits an lending application (listing) and the lender would selected the borrower under the loan application list by bidding method, brokered through the system matches the information to complete the transaction process. In this way, through the Internet between the stranger and stranger complete the borrowing made possible, in this sense, P2P online lending is a trading platform (website) to play credit intermediary to provide a specific lending business credit trading services.The basic idea of online P2P lending comes from the values of Yunus’s Grameen Bank, combined with Internet technology, along with the rise of social networking services, and gradually developed from offline mode to online mode, Since it appears, developed rapidly across the world.PPdai website is the first P2P online lending platform in China at2007,followed by domestic online peer-to-peer online lending platform sprung up quickly.The P2P lending is based on the Internet, social networks provide a broad user base, the value of the social network also affect the mode of online P2P lending platform, also has important influence and role in the behavior of users to participate in lending transactions, but also on the platform the risk has a certain role. Social networks and social capital are closely related, peer-to-peer online lending platform of social capital forms website superposition of multiple networks, platform social network analysis, we can better understand the platform of social capital and social capital of the individual user, with the help to help more reasonable platform to expand their social network, an increase of the social capital, give full play to the value of the user’s social capital, and promote the development of the platform.Through the study of literature, this study focused on the measurement of social capital in the online P2P lending platform. From the point of view of social networks, social capital theory as the main theoretical basis, through the social network analysis, conduct research around the lack of online P2P lending platform of social capital measure and measurement problems, the main contents include social networks of online P2P lending platform with the study of the social capital, the establishment of the index system of online P2P lending platform of social capital measure, the basic measure of the p online P2P lending platform of social capital measurement methods and measurement, and through empirical measure of the effectiveness of three aspects of the inspection and analysis of its role.In this thesis, the application of research methods in three ways:First, the method of literature research, mainly through the social capital theory and peer-to-peer online lending study the impact of social capital initial research to provide theoretical support for further research work and research reference.Second, Interdisciplinary research methods, mainly based on the theory of social capital and social network analysis, the relationship between social networks and social capital in the peer-to-peer online lending platform and the role to carry out research, drawing on the research results of social network analysis, combined with peer-to-peer online lending the characteristics of the social network of the platform relational data, create a measure of social capital basic index system and methods of measurement.Third, empirical analysis, to run on the domestic PPDai site data, for example, basic measurement of social capital on the proposed peer-to-peer online lending platform overall site index system for empirical analysis and verification, to test the effectiveness of the indicators and their role.The innovation of this paper include:1. This study is the first study about P2P online lending based on the social network perspective in China, focusing on the social networks of P2P online lending in the pattern selection, user behavior and other aspects of the effect, but also the domestic P2P study for the first time based on the perspective of social network Empirical Study. To make up for the lack of empirical research; On the other hand also enriched the content and object of the study of social networks, online P2P lending and social networks on two aspects of its significance.2. This study is the first study about peer-to-peer online lending study on the basic measurement index system research about social capital, By the peer-to-peer online lending platform of social capital the basic measurement index system (Table) and specific measurement methods, P2P online lending for future research social capital indicators parameter provides a frame of reference, help solve related research in the social capital measure is not uniform and missing confused.3. This study is the first study the domestic P2P online lending through the introduction of social network analysis and measurement tools in China, for future research provides a new research perspective and research method.In this paper, the results of significance in two ways:First, the theoretical contributions.. This study based on social network perspectives and methods to study online P2P lending, is the fundamental research on online P2P lending research, involving online P2P lending model, user behavior and risk control research. By providing the peer-to-peer online lending platform basic measurement of social capital index system to solve the problem of the lack of uniform measurement criteria and methods of measurement of social capital, with the social networks, and proved its effectiveness through empirical research. The interdisciplinary’research, in particular, the introduction of social network analysis, but also for peer-to-peer online lending research provides a new research methods and research perspective. Empirical research based on the PPDai website to fill the gaps in research on social networks in P2P lending, to enrich the study of social networks.Second, the practical significance. Empirical research through PPDai site. make recommendations for the platform how to make better use of social capital, and use social network analysis for data mining. The recommended site to increase social networks, and strengthening the use of the user of social capital. |
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