财经论丛 ›› 2021, Vol. 37 ›› Issue (2): 48-56.

• 金融与投资 • 上一篇    下一篇

空气质量与P2P借款者的利率选择

付志强, 吴卫星   

  1. 对外经济贸易大学金融学院,北京 100029
  • 收稿日期:2020-06-12 出版日期:2021-02-10 发布日期:2021-03-17
  • 作者简介:付志强(1992-),男,江西赣州人,对外经济贸易大学金融学院博士生;吴卫星(1974-),男,湖北荆门人,对外经济贸易大学金融学院教授,博士生导师。
  • 基金资助:
    国家社会科学基金重大项目(16ZDA033)

Air Quality Index and the Interest Rate Choice of P2P Borrowers

FU Zhiqiang, WU Weixing   

  1. School of Banking and Financing, University of International Business and Economics, Beijing 100029,China
  • Received:2020-06-12 Online:2021-02-10 Published:2021-03-17

摘要: 空气质量会影响人们的情绪,进而影响人们的行为。本文利用中国地级市的空气质量指数(AQI)和人人贷数据,分析了空气质量对借款者选择借款利率的影响。研究发现,空气质量指数每上升1个单位,借款者选择的借款利率下降1.04%。进一步研究发现,空气质量对借款者选择借款利率的影响存在异质性,空气质量对女性借款者、年龄较大的借款者影响较大。

关键词: 空气质量, P2P借款者, 利率选择

Abstract: Air quality can affect people's emotions, which in turn affects people's behavior. This article combines the air quality index (AQI) in prefecture-level cities of China with Renrendai data to analyze the effect of air quality on Renendai borrowers' interest rates. The study finds that when the Air Quality Index increases by one unit, the borrowers' interest rates falls by 1.04%. Further research discovers that air quality has a heterogeneous effect on the borrowers' interest rates, and the air pollution has a greater adverse impact on female borrowers and older borrowers.

Key words: Air Quality, P2P Borrowers, Borrowers' Interest Rates

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