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首页> 外文期刊>Financial management >The role of P2P platforms in enhancing financial inclusion in the United States: An analysis of peer-to-peer lending across the rural-urban divide
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The role of P2P platforms in enhancing financial inclusion in the United States: An analysis of peer-to-peer lending across the rural-urban divide

机译：P2P平台在加强美国金融包容方面的作用：对农村城市鸿沟的同行贷款分析

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摘要

In this paper, we examine the role of peer-to-peer (P2P) platforms in enhancing financial inclusion from the borrowers' point of view across the rural-urban dimension. We show that when number of bank branches decrease in a rural community, the P2P loan requests increase if there is at least one bank branch in the community allowing people to participate in the P2P market. We also find that the number of P2P loan requests from urban areas is higher when such areas have fewer pawnshops per capita. Our results suggest that P2P enhances financial inclusion of those lacking traditional institutions in rural communities and offers an alternative to those with fewer fringe banks in urban communities.
机译：在本文中，我们研究了点对点（P2P）平台在跨越城市维度借助借款人的观点来审视对等（P2P）平台的作用。 我们认为，当社区的银行分支机构减少时，如果社区中至少有一个银行分支机构允许人们参加P2P市场，则P2P贷款请求增加。 我们还发现，当这些地区人均典当行为较少时，城市地区的P2P贷款申请人数更高。 我们的研究结果表明，P2P增强了缺乏农村社区中缺乏传统机构的人的金融列入，并为城市社区的边缘银行较少的人提供替代品。

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