リュウ　アセイ   RYU Asei   劉　亜静    所属   広島修道大学  経済科学部    職種   教授
言語種別	英語
発行・発表の年月	2025/01
形態種別	学術論文
査読	査読有り
標題	Characteristics of High-Risk Defaulters: An Empirical Study on the Bondora P2P Lending Platform
執筆形態	共著
掲載誌名	2025•scholarspace.manoa.hawaii.edu
掲載区分	国外
出版社・発行元	The 58th Hawaii International Conference on System Sciences
巻・号・頁	pp.6869-6875
著者・共著者	◎Yajing Liu, Kyoko Mona(Manhattanville University)
概要	This study analyzed the characteristics of high-risk defaulters in the peer-to-peer (P2P) lending market using data from a European-based P2P lending platform, Bondora, from 2009 to 2021. This study finds that financial variables, such as loan amount, interest rate, credit score, and existing liabilities, are predictors of the probability of default. In contrast, demographic and cultural characteristics, such as age, gender, employment status, education level, and language, affect default differently. For instance, employment status and language do not significantly impact default.