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《Reform》 2018-05
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Credit Discrimination on Occupational Identity in P2P Lending: based on the Pespective of Investor's Cognitive Bias

Tian Xiujuan;Zhang Zhiying;  
Using the transaction data from RENRENDAI lending platform, this paper analyzes the problem of occupational identity credit discrimination in China's P2 P lending and examines the existence of the "occupational identity credit discrimination" in internet financial. Furthermore, this paper empirically examines whether this kind of occupational identity discrimination is rational or not, based on investor 's cognitive bias. Through consistency analysis of whether borrower's occupation can cause difference of success rate show that discrimination against private business owners can be deemed as rational, but the discrimination against network merchant can be deemed as irrational. The existence of "occupational identity credit discrimination" is derived from the investor's understanding economic characteristics of the borrower's occupational identity rather than purely discrimination against social identity prejudice. The irrational identity discrimination against the network merchant is mainly caused by the investor's cognitive bias.
【CateGory Index】: F724.6;F832.4
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