Abstract:

Internet social lending is a typical example of the emerging social finance and a product segmentation

of P2P lending. Compared with the traditional P2P lending, Internet social lending has a lower credit cost, a

lower default risk and can also avoid the embarrassment of borrowing money from your friends face to face.

Internet social lending is rising after 2015 and has had an important effect on our economy, so it is quite

meaningful to explore the determinants of user acceptance of Internet social lending. Based on technology

acceptance model (TAM), a model concerning the determinants of user acceptance of Internet social lending is

constructed and empirical research is made on factors influencing user selection of Internet social lending

through survey data. The results show that the external factors, such as personal innovation, network externality,

have a positive effect on perceived usefulness and perceived ease of use; the compatibility has a positive effect

on perceived usefulness; perceived usefulness, perceived ease of use and network externality have a positive

effect on use intention while perceived risk has a negative effect on use intention.

Key words:  Internet, social lending, user acceptance；financial model

CLC Number: 

• F832.4

• C912