CAJ | 학술논문

本文借助一家P2P网络借贷平台的交易数据，实证考察了互联网金融借贷中是否存在地域歧视。描述性统计表明各省份之间的订单成功率存在巨大差异，在控制了订单信息和借款人信息之后，该差异有所降低，但仍在统计上显著，这说明我国的P2P网络借贷的交易中存在地域歧视问题。进一步的研究表明：被歧视的省份订单违约率并没有显著地高于其他省份，这说明本文发现的地域歧视属于偏好性歧视——这是一种非理性行为。
본문차조일가P2P망락차대평태적교역수거，실증고찰료호련망금융차대중시부존재지역기시。묘술성통계표명각성빈지간적정단성공솔존재거대차이，재공제료정단신식화차관인신식지후，해차이유소강저，단잉재통계상현저，저설명아국적P2P망락차대적교역중존재지역기시문제。진일보적연구표명：피기시적성빈정단위약솔병몰유현저지고우기타성빈，저설명본문발현적지역기시속우편호성기시——저시일충비이성행위。
Using data from a peer-to-peer online lending platform, this paper empirically examines whether the regional discrimination exists in the internet fi- nancial borrowing. The descriptive result shows that there is a huge difference a- mong provinces in the probability of funding success. After controlling the borrow- ers-related and loan-related characteristics, the difference decreases, however, still is statistically significant, suggesting the existence of regional discrimination in China＇s PZP lending. Furthermore, the findings in this paper show that those dis- criminated provinces have lower default rates, and it might be natural to conclude that such evidence is suggestive of taste-based discrimination, which is a kind of irrational behavior.