From: Voluntary disclosures and peer-to-peer lending decisions: Evidence from the repeated game
Unfunded | Funded | Mean.Diff. | |||||||
---|---|---|---|---|---|---|---|---|---|
N | Mean | Std.Dev | N | Mean | Std.Dev | Mean.Diff. | Std.Dev | ||
Score | 1141 | 3.013 | 1.653 | 2794 | 2.808 | 1.939 | 0.205*** | 3.136 | |
Stwords | 1141 | 0.479 | 0.500 | 2794 | 0.481 | 0.500 | −0.002 | −0.122 | |
Consumption | 1141 | 0.366 | 0.482 | 2794 | 0.186 | 0.389 | 0.180*** | 12.265 | |
Operation | 1141 | 0.261 | 0.439 | 2794 | 0.255 | 0.436 | 0.006 | 0.413 | |
Income | 1141 | 0.282 | 0.450 | 2794 | 0.223 | 0.416 | 0.060*** | 3.979 | |
Taobao | 1141 | 0.023 | 0.149 | 2794 | 0.069 | 0.254 | −0.046*** | −5.77 | |
Credibility | 1141 | 0.158 | 0.365 | 2794 | 0.206 | 0.404 | −0.048*** | −3.477 | |
Stability | 1141 | 0.384 | 0.487 | 2794 | 0.397 | 0.489 | −0.013 | −0.781 | |
Family | 1141 | 0.114 | 0.318 | 2794 | 0.056 | 0.230 | 0.058*** | 6.402 | |
Quality | 1141 | 0.342 | 0.475 | 2794 | 0.198 | 0.398 | 0.144*** | 9.734 | |
Enterprise | 1141 | 0.380 | 0.486 | 2794 | 0.388 | 0.487 | −0.007 | −0.424 | |
Morality | 1141 | 0.068 | 0.252 | 2794 | 0.064 | 0.244 | 0.005 | 0.537 |