Projects per year
Abstract
In this paper, we study regional discrimination in a peer-to-peer lending scenario and provide novel empirical evidence for theories of soft information collection and information cost. We find that the regional information matters for borrowers’ funding probabilities and that discrimination is profit-oriented or taste-oriented depending on the specific region. Moreover, using borrowers’ birthplace as an instrumental variable, we find no evidence of genuine discrimination based purely on region in the peer-to-peer lending market.
| Original language | English |
|---|---|
| Pages (from-to) | 346-366 |
| Number of pages | 21 |
| Journal | The European Journal of Finance |
| Volume | 27 |
| Issue number | 4-5 |
| Early online date | 28 Jan 2020 |
| DOIs | |
| Publication status | Published - 24 Mar 2021 |
Keywords / Materials (for Non-textual outputs)
- peer-to-peer lending
- regional discrimination
- information cost theory
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Dive into the research topics of 'Why does regional information matter? Evidence from peer-to-peer lending'. Together they form a unique fingerprint.Projects
- 2 Finished
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Regional Discrimination and Peer-to-Peer Lending
Wang, T. (Principal Investigator) & Ye, B. (Co-investigator)
12/04/19 → 15/07/21
Project: Research Collaboration with external organisation
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Why Geographical Information Matters? Regional discrimination in Peer-to-Peer Lending relationships
Wang, T. (Principal Investigator)
12/04/19 → 10/07/19
Project: University Awarded Project Funding
Profiles
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Tong Wang
- Business School - Senior Lecturer in Business Economics
- Management Science and Business Economics
- Edinburgh Centre for Financial Innovations
Person: Academic: Research Active