林丽琼;吴敬伟;赵一萌;罗炜琳;刘松涛;

• 1:福建农林大学经济学院

摘要(Abstract)：

随着民间借贷活动范围扩大,纠纷明显增加,民间借贷风险受到广泛关注。通过构建多元线性回归模型,利用240个民间借贷纠纷案件的调查数据,探讨了地理距离对民间借贷违约风险的影响。研究结果表明,地理距离显著增加民间借贷违约风险:地理距离对月利率2%以下借贷的违约风险影响程度高于月利率2%及以上的借贷,对本金100万元以下借贷的违约风险影响程度高于本金100万元及以上的借贷。建议鼓励和发展近距离或依托熟人关系的民间借贷,建立依托地缘、血缘或亲缘等关系的借贷监督和社会惩罚机制。

关键词(KeyWords)： 地理距离;民间借贷;违约

Abstract:

Keywords:

基金项目(Foundation): 国家社会科学基金青年项目(12CGL022);; 福建省科技厅软科学重点项目(2016R0059);; 2015年度福建省高等学校新世纪优秀人才支持计划资助项目

作者(Author): 林丽琼;吴敬伟;赵一萌;罗炜琳;刘松涛;

Email:

DOI: 10.13322/j.cnki.fjsk.2017.04.005

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