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Do financial regulations have impacts on ownership structure of P2P firms?

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  • Kai Lisa Lo
  • Jackson Jinhong Mi
  • Minhua Yang
  • Shuyu Zhang

Abstract

We assess the impacts of ownership structures on China’s P2P lending platforms. We classify data into private and non-private groups, and we use the information such as turnovers and net inflows to capture firm performance. The findings suggest that investors prefer non-private to private P2P platforms before and after related financial regulations. Private platforms thus increase their interest rates to attract borrowers, which surges systematic risks. Such results are especially dominant for P2P platforms in non-BSGS cities, indicating the difficultly private platforms compete against financial regulations.

Suggested Citation

  • Kai Lisa Lo & Jackson Jinhong Mi & Minhua Yang & Shuyu Zhang, 2020. "Do financial regulations have impacts on ownership structure of P2P firms?," Applied Economics Letters, Taylor & Francis Journals, vol. 27(14), pages 1156-1159, July.
    • Handle: RePEc:taf:apeclt:v:27:y:2020:i:14:p:1156-1159
    DOI: 10.1080/13504851.2019.1675859
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    Cited by:

    1. Minhua Yang, 2022. "Financial innovation regulations and firm performance: Evidence from Chinese listed firms," Australian Economic Papers, Wiley Blackwell, vol. 61(1), pages 24-41, March.

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