龙马奋进·校庆70周年学术系列讲座

数据·营销·创新论坛|第十二期大咖讲座

Social connections in online Lending: Evidence fromfield experiments

-北京大学光华管理学院博士后 张晓丹-

张晓丹博士简介

张晓丹博士2016年毕业于中南大学商学院，获管理学博士学位（营销管理、大数据方向）；曾为国家公派联合培养博士，赴美国卡内基梅隆大学社会决策系进行深造；现为北京大学光华管理学院市场营销系博士后。

讲座摘要

Difficulty inexercising formal (court-enforced) solutions of default still remains. Thisstudy explores in what extent and how the exposure of different types of socialconnections influences online borrower’s repayment behavior, including borrowerintrinsic repayment and company collection. Specifically, we divide “socialothers” as three types: family members, friends, and colleagues. Our predictionis that online borrowers are less likely to default when disclosing his/hercolleagues’ information than disclosing only family members’ information orclose friends’ information to the lender. For collection, sending the borrowersmessages eliciting the potential contacts increases the likelihood that theloans will be repaid. We test our theory in the context of Chinese onlinelending company with historical data and field experiments. Preliminaryresults provide evidence of our hypotheses, demonstrating the predictiveeffect of social connections and the potential importance of such interventionsin enhancing loan repayment for the online lending platform.

时间地点

2019-5-8(周三)中午12 : 30

中央财经大学（学院南路校区）

主教615会议室