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The influencing factors of satisfaction and lending intention in online lending investment: an empirical study based on the Chinese market

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  • Weidong Xu
  • Ying Zuo
  • Xin Gao
  • Minglong Yao

Abstract

This paper develops a platform‐based influencing factors model which considers value perception, risk prevention measure, non‐default experience, trust and incentive gap, to better examine the impact of platforms on investors’ satisfaction and lending intention based on the Chinese market. The results reveal that the first four factors positively influence the satisfaction of the investors, while the incentive gap has a negative impact, and there is a positive association between investors’ satisfaction and lending intention. Some specific features of China’s online lending market are identified, which provides valuable insights for online lending platforms and the government.

Suggested Citation

  • Weidong Xu & Ying Zuo & Xin Gao & Minglong Yao, 2019. "The influencing factors of satisfaction and lending intention in online lending investment: an empirical study based on the Chinese market," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 59(S2), pages 2045-2071, November.
    • Handle: RePEc:bla:acctfi:v:59:y:2019:i:s2:p:2045-2071
    DOI: 10.1111/acfi.12551
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