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Study on Repayment Incentive Mechanism in Network Joint-liability Loan

Author: JiangZuo
Tutor: XuJia；JiangYueXiang
School: Zhejiang University
Course: Finance
Keywords: The alibaba network guaranteed loans Joint debt Risk type self match logit model
CLC: F224
Type: Master's thesis
Year: 2011
Downloads: 198
Quote: 1
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Abstract


In this paper, a new lending model the operation of the mechanism of the network guaranteed loans based on the context of SME loans , focus on credit risk type before matching the important factors that affect the performance of subordinated loans loan after survey from feedback Alibaba network of 102 questionnaires to a sample using the logit model , the cluster analysis method with entropy Method modeling tools to do empirical research . Empirical test confirmed theoretically proved that the credit risk type self mismatch , low - risk borrowers will also have a lower risk borrowers a UNPROFOR team . Loan , the UNPROFOR team members engaged in the project risk is lower , between members of the group put pressure on the greater , more frequent contact with the loan officer , and a greater tendency to mutual assistance within the group , the demonstrated performance of subordinated loans better. In some groups in the cluster characteristics affecting repayment performance , in addition to operating the homogeneity of the project risk , the homogeneity factors can not play a significant impact . In addition, the study also unexpectedly found several problems : crew frequent exchange of commercial project information is corrective role play appeared subordinated loans , rather than to prevent the occurrence of subordinated loans problem prevention role ; commercial relations degree with repayment performance convex quadratic function of the relationship , and the non-linear relationship ; opportunity cost of network information disclosure mechanism for defaulting enterprises is not so high ideals . The lack of empirical analysis article , the results of this study will have the the Alibaba network operations guaranteed loans and follow-up studies to play a certain reference .

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CLC: > Economic > Economic planning and management > Economic calculation, economic and mathematical methods > Economic and mathematical methods
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