本文共字，预计阅读时间。

参考文献

[1] 李焰、高弋君、李珍妮、才子豪、王冰婷和杨宇轩，2014，《借款人描述性信息对投资人决策的影响——基于P2P网络借贷平台的分析》，《经济研究》增1期，第143～155页。

[2] 李悦雷、郭阳和张维，2013，《中国P2P小额贷款市场借贷成功率影响因素分析》，《金融研究》第7期，第126～138页。

[3] 廖理、吉霖和张伟强，2015，《借贷市场能准确识别学历的价值吗? —来自P2P平台的经验证据》，《金融研究》第3期，第146～159页。

[4] 王会娟和廖理，2014，《中国P2P网络借贷平台信用认证机制研究—来自“人人贷”的经验证据》，《中国工业经济》第4期，第136～147页。

[5] 阎达五和孙蔓莉，2002，《深市B股发行公司年度报告可读性特征研究》，《会计研究》第5期，第10～17页。

[6] Beller A., G. Borjas, M. Tienda, D. Bloom and G. Grenier. 1994. “Beauty and the Labor Market”, The American Economic Review, 84(5) : 1174～1194.

[7] Duarte J., S. Siegel and L. Young. 2012. “Trust and Credit: the Role of Appearance in Peer-to-Peer Lending”, Review of Financial Studies, 25(8) : 2455～2484.

[8] Freedman, S., and G. Z. Jin. 2008. “Do Social Networks Solve Information Problems for Peer-to-Peer Lending? Evidence from Prosper. com”, Working Papers, College Park, MD: NET Institute.

[9] Ghose A., P. G. Ipeirotis and B. Li. 2012. “Designing Ranking Systems for Hotels on Travel Search Engines by Mining User-Generated and Crowdsourced Content”, Marketing Science, 31(3) : 493～520.

[10] Guiso, L., P. Sapienza and L. Zingales. 2004. “The Role of Social Capital in Financial Development”, American Economic Review, 94: 526～556.

[11] Hancock J. T., L. E. Curry, S. Goorha and M. Woodworth. 2007.”On Lying and Being Lied To: A Linguistic Analysis of Deception in Computer-Mediated Communication”, Discourse Processes, 45(1) : 1～23.

[12] Herzenstein M., S. Sonenshein and U. M. Dholakia. 2011.”Tell Me a Good Story and I May Lend You Money: the Role of Narratives in Peer-to-Peer Lending Decisions”, Journal of Marketing Research, 48(SPL): S138～S149.

[13] Klafft M. . 2008. “Peer to Peer Lending: Auctioning Micro Credits over the Internet, ”Proceedings of the 2008 International Conference on Information Systems, Technology and Management (ICISTM 08) , March, Dubai, United Arab Emirates.

[14] Larrimore L., L. Jiang, J. Larrimore, M. David and G. Scott. 2011. “Peer to Peer Lending: the Relationship between Language Features, Trustworthiness and Persuasion Success”, Journal of Applied Communication Research, 39(1) : 19 ～37.

[15] Loughran T., and B. McDonald. 2014. “Measuring Readability in Financial Disclosures”, The Journal of Finance, 69(4) : 1643～1671.

[16] Li F. . 2008. “Annual Report Readability, Current Earnings and Earnings Persistence”, Journal of Accounting and Economics, 45(2) : 221～247.

[17] Lin M., N. R. Prabhala and S. Viswanathan. 2013. “Judging Borrowers by the Company They Keep: Social Networks and Adverse Selection in Online Peer-to-Peer Lending”, Management Science, 59(1) : 17～35.

[18] Michels J. . 2012. “Do Unverifiable Disclosures Matter? Evidence from Peer-to-Peer Lending”, The Accounting Review, 87(4) : 1385～1413.

[19] Pennebaker J. W., M. R. Mehl and K. Niederhoffer. 2003. “Psychological Aspects of Natural Language Use: Our Words, Our Selves”, Annual Review of Psychology, 54(1) : 547～577.

[20] Pope D. G. and J. R. Sydnor. 2011. “What’s in a Picture? Evidence of Discrimination from Prosper. com”, Journal of Human Resources, 46(1) : 53～92.

[21] Rennekamp K. . 2012. “Processing Fluency and Investors’Reactions to Disclosure Readability”, Journal of Accounting Research, 50(5) : 1319～1354.

[22] Steelmann J., and B. Aaron. 2006. “Bypassing Banks”, Region Focus, Federal Reserve Bank of Richmond, 10(3) : 37～ 40.

[23] Tan, K. W. P., D. Swee, C. Lim, B. H. Detenber and L. Alsagoff. 2007. “The Impact of Language Variety and Expertise on Perceptions of Online Political Discussions”, Journal of Computer-Mediated Communication, 13(1) : 76～99.

[Source]

本文系未央网专栏作者发表，属作者个人观点，不代表网站观点，未经许可严禁转载，违者必究！

本文为作者授权未央网发表，属作者个人观点，不代表网站观点，未经许可严禁转载，违者必究！

本文版权归原作者所有，如有侵权，请联系删除。