Abstract

According to two situations of establishing the threshold of social reputation of the online lending platform, this paper establishes the profit maximization model of P2P lending platform, analyzing the pricing of P2P lending platform and answering whether and when it is necessary to establish a social reputation threshold for borrowers. Moreover, this paper analyzes the influence of the platform's exclusive strategy on the number of bilateral users and the platform's profit. The results show that the platform needs to set the threshold when lenders are more sensitive to borrowers' social reputation. In addition, through the analysis of market size and platform profit, it is found that when the platform strengthens the sensitivity of lenders to the average social credit level of borrowers, it will increase the number of lenders and the platform's own profit at the same time.

Talk to us

Join us for a 30 min session where you can share your feedback and ask us any queries you have

Schedule a call

Disclaimer: All third-party content on this website/platform is and will remain the property of their respective owners and is provided on "as is" basis without any warranties, express or implied. Use of third-party content does not indicate any affiliation, sponsorship with or endorsement by them. Any references to third-party content is to identify the corresponding services and shall be considered fair use under The CopyrightLaw.