2026年第39期(总第1183期)

演讲主题：Understanding Lenders' Investment Behavior in Online Peer-to-Peer Lending: A Construal Level Theory Perspective

主讲人：柯玮玲 南方科技大学商学院教授

主持人：赵玲 信息管理与数据科学系教授

活动时间：2026年5月30日（周六）19:00-21:00

活动地址：管院大楼406教室

主讲人简介：

柯玮玲是南方科技大学商学院的教授，任信息系统与管理工程系的系主任。她的研究兴趣包括数字化转型、数字创新和平台生态系统。她的研究发表于MIS Quarterly, Information Systems Research, Journal of Management Information Systems, Journal of Operations Management, 以及Personnel Psychology等学术期刊。她担任多个国际期刊的SE或AE，如Information & Management, Decision Support Systems, 以及IT & People等。

活动简介：

Online peer-to-peer lending (i.e., P2P lending) has grown rapidly in recent years and is a new source of fixed income for investors. However, there is limited understanding of factors affecting individual lenders' decision making in this context, which is characterized as highly risky. Drawing on construal level theory, we theorize how bidding amounts lenders submit are affected by interest rates and psychological distance caused by the borrower's demographic attributes (i.e., geographic location, age, educational degree, and marital status) relative to those of the lender. Specifically, we study how psychological distance shapes the effects of the duality of interest rates (i.e..as rates of return and as signals of potential risk) and directly influences bidding amounts, Using a rich data set from a popular Chinese online P2p lending platform, we apply multiple identification strategies and estimation methods to conduct our analyses.We find that the effects of interest rates on bidding amounts are strengthened by the geographic and social distance between the lender and the borrower. in addition, geographic distance decreases the lenders' bidding amounts (i.e., home bias effect),whereas social distance increases the bidding amounts (i.e., social distance effect). Additionally, four controlled experiments are conducted to investigate the causality and mechanisms behind these relationships. Theoretical contributions and practical implications are discussed.