An Empirical Research On The Factors Of Decision-Making Behavior Of Online P2P Lending In China:Based On Three Platform

The main content of this study:explored the influencing factors in P2P Lending; explored the key factors in trust of P2P lending; explored the key factors in lending will of P2P lending; explored the key factors in expectation of P2P lending; compared and analyzed the different research findings between different P2P platform. According to the result, the author gave some advice to government, P2P platform, borrowers and lender.This study obtained the user’s the data by means of questionnaires, on base of the data, the author verified the theoretical models and assumptions and analyzed the different research findings between different P2P platform. The main conclusion of the study:(1) the perceived platform services and information quality has a significant impact on the trust of platform and borrower. The principal security will change the influence of information quality on trust of borrower.(2) The asymmetric of information has little influence on the trust of platform, weather the asymmetric of information has influence on trust of borrower depends on principal security.(3) Trust in platform, trust in borrower, the satisfaction of return have a significant impact on lending will.(4) The experience of p2p lending does not have a significant impact on lending will.(5) The lending will is one of the important factors to expectation of acceptable single investment amount, return, acceptable lending term.Innovation:(1) The study has a novel foothold:p2p lending come to china for six years, most study focus on the relationship between the default rate and the information of borrower, as a result, the past study ignore the platform also has significant impact on risk. This is trying to add platform factors in P2P lending study.(2) The study takes the lender as the research object, based on different platform, discuss the platform factors’influence on trust.(3) The study doesn’t copy the foreign experience, taking the special situation of China into concern. Significance:the study build the model with different factors and analyzed the reason, it’s useful for giving advice to government, p2p lending platform management and lender.