报告人简介：
周莉娜，美国马里兰大学巴尔的摩郡信息系统教授。她现在的研究方向主要包括：网络欺骗发现、在线社会网络、和移动互联网适应性及个性化。在国际期刊已发表论文60余篇，其中包括MIS Quarterly, Journal of Management Information Systems, IEEE Transactions, Decision Support Systems, and International Journal on Human-Computer Studies等。她任多个国际期刊的编委，并担任多个国际会议程序委员会成员。
报告简介：
We studied the relationship between individuals’ group social capital and their lending outcomes in an online peer-to-peer financial credit market, where individual lenders make direct unsecured microloans to other individual borrowers. Despite its ability to facilitate economic exchange, social capital as public goods may also cause free-rider problems, particularly in an online environment. Based on the analyses of transaction data collected from one of the largest online peer-to-peer lending platform in the U.S., we found that the borrower’s general group social capital and relational social capital yielded inconsistent effects, and the borrower’s structural social capital had a negative impact on, his/her funding and repayment performance. We discuss the implications of our findings for reconciling two major but conflicting theoretical views of social capital and for improving institutional mechanism design in a decentralized online financial credit market.
