| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w19820 |
| 来源ID | Working Paper 19820 |
| The Information Value of Online Social Networks: Lessons from Peer-to-Peer Lending | |
| Seth Freedman; Ginger Zhe Jin | |
| 发表日期 | 2014-01-16 |
| 出版年 | 2014 |
| 语种 | 英语 |
| 摘要 | We examine whether social networks facilitate online markets using data from a leading peer-to-peer lending website. We find that borrowers with social ties are consistently more likely to have their loans funded and receive lower interest rates; however, most borrowers with social ties are more likely to pay late or default. We provide evidence that these findings are driven by lenders not fully understanding the relationship between social ties and unobserved borrower quality. Overall, our findings suggest caution for using online social networks as a signal of quality in anonymous transactions. |
| 主题 | Microeconomics ; General Equilibrium ; Economics of Information ; Industrial Organization ; Industry Studies |
| URL | https://www.nber.org/papers/w19820 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/577493 |
| 推荐引用方式 GB/T 7714 | Seth Freedman,Ginger Zhe Jin. The Information Value of Online Social Networks: Lessons from Peer-to-Peer Lending. 2014. |
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