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	2024/06
形態種別	学術論文
査読	査読有り
標題	Peer-to-peer lending for individual and MSME finance: Evidence from an original survey in China
執筆形態	共著
掲載誌名	International Review of Economics and Finance
掲載区分	国外
出版社・発行元	Elsevier
巻・号・頁	Volume 93 Part A,pp.Pages 38-51
著者・共著者	Yajing Liu, Kenya Fujiwara, Toshiki Jinushi
概要	This study analyzes peer-to-peer (P2P) lending, a new financing tool for micro, small, and medium enterprises (MSMEs) and individuals, in terms of its relationship with existing financing tools. We conducted a survey of P2P borrowers in China and analyzed the factors that influenced their preference for P2P loans. A key finding was that both business and individual borrowers having difficulties with traditional financing methods—such as the young and women, persons without collateral, and newly established firms—prefer P2P lending. Furthermore, individual borrowers are drawn by the preferential terms in the P2P loan contracts, while business borrowers are not.