P2P借贷市场中年龄歧视研究
毕业论文关键词：互联网金融；P2P网络借贷；年龄歧视
Is there age discrimination in the P2P lending market?
—— based on empirical data from “renrendai”
Abstract:As a new type of financial model integrating Internet technology，P2P lending platform is a useful complement to the existing financial system.In this new financing model,the issue of discrimination in the distribution of credit is attracting attenti-on.This paper empirically examines whether there is age discrimination in the P2P lending market by using data from the "renrendai" platform.The empirical analysis is bas-ed on the quantitative model and we will use microdata to analyze the causes of age discrimination.The results show that there is a significant difference in the success rate of borrowing in different age groups. In another words, there is a real age discrimination in P2P lending market.Further studies have shown that differences in income levels, differences in working years and total borrowings in different ages can have an effect on the rate of borrowing success.In specific,the higher the income level, the greate-r the total amount of borrowing, the success rate is higher.Moreover, the difference in the length of the borrower's working life has no significant effect on the rate of borrowing success.Finally, on the basis of the research conclusion, I make some suggestions for both borrowers and investors.
Key Words:Electronic Finance;P2P Lending Market;Discrimination Phenomenons
目 录
摘要1
关键词1
Abstract1
Key words1
一、引言1
二、文献综述2
（一）身份歧视2
（二）教育背景3
（三）地域歧视3
（四）总结3
三、实证结果分析4
（一）数据来源及样本特征分析4
1．数据来源4
2．样本特征分析4
（1）借款成功率4
（2）收入水平4
（3）工作年限4
（4）借款总金额5
（二）变量定义及描述性统计5
（三）模型假设7
（四）年龄歧视的回归模型分析7
（五）年龄歧视原因的回归模型分析8
四、稳健性检验9
（一）计量方法9
（二）样本选择10
五、结论与启示10
致谢11
参考文献11
附录A 变量相关系数矩阵12
P2P借贷市场中存在年龄歧视吗？——基于“人人贷”的经验数据一、引言
年龄歧视是基于年龄段的差异而引起的一种不公平对待，这是由中国几千年来封建制度和传统思想而造成的，自古以来便存在。我国人口数量庞大，年龄层次复杂，各年龄段人群的教育程度、经济条件等方面有不同程度的差别，因此引起的年龄歧视问题在社会生活中比较普遍。在劳动力市场中，年龄歧视问题已经受到广泛关注，如就业机会、职位晋升和利益分配等方面，并不是从个人能力的角度出发，而是硬性、单纯地以年龄为界线，使人们受到不公正的对待，使其正常利益受到损害。近年来，我国的互联网金融得到了快速发展，P2P网络借贷领域中的年龄歧视问题受到越来越多人的关注。一直以来，由于年龄歧视问题难以量化，其引起的社会、政治和经济损失尚未被大都数人完全了解。