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| Title: | 處方異質性下正向表達對P2P借貸績效的影響
Effect of positive expression on P2P lending performance under treatment heterogeneity |
| Authors: | 劉晉豪
Liu, Chin-Hau |
| Contributors: | 莊皓鈞
周彥君
Chuang, Hao-Chun
Chou, Yen-Chun
劉晉豪
Liu, Chin-Hau |
| Keywords: | P2P借貸
因果森林
機器學習
處方效應
異質性
P2P lending
Causal forest
machine learning
treatment effect
heterogeneity |
| Date: | 2021 |
| Issue Date: | 2021-08-04 14:48:32 (UTC+8) |
| Abstract: | 有鑒於網路的便捷加上群眾募資及網路借貸平台的日趨普及，越來越多使 用者利用這類平台進行融資借貸，因此如何在眾多平台的使用者中脫穎而出成 為每個借方最迫切了解的方向，要選擇放上有笑容的圖片帶給閱聽者充滿信 心、勤奮且有希望的募資者印象?還是不應該顯得如此樂觀，應該要盡量用各種 方式透露出自己的需求來博取同情?這兩個策略看似都屬合理，但卻是兩個完 全相反的策略。本研究探討的是圖片笑容與募款績效的提升是否有幫助，並以 每日可以募得到的資金以及平均每位貸方願意提供多少資金做為募資績效的評 比標準，此研究牽涉到因果推論及反事實的研究，相較於預測問題，本研究更 在乎的是因果關係的推論，因此採用建置因果森林的分析方法。除此之外，本 研究也另外分析異質性處方效應的發生時機，換言之，如果笑容確實可以改變 募款績效，那麼什麼樣的條件下可以將處方效應的影響發揮到最大的效果，藉 此研究幫助 P2P 借貸平台上的使用者可以針對自己的募款情況擬定相關的募資 策略，希望對消弭世界的資訊不對稱以及資金的流通有所貢獻。
Given the convenience of the Internet and the growing popularity of crowdfunding and P2P lending platforms, more and more users are using these platforms to raise money and borrow money, so how to stand out from the crowd of platform users has become the most pressing issue that every borrower wants to understand. Should I choose a picture with a smile on it to convey to the reader that I am a confident, hardworking and hopeful fundraiser? Or should I not appear so optimistic and try to gain sympathy by revealing my needs in every way possible? Both of these strategies may seem reasonable, but they are two completely opposite strategies. This study examines whether smiles are associated with improved fundraising performance, and evaluates fundraising performance in terms of the amount of money raised per day and the average amount of money each lender is willing to provide. This study involves causal inference and counterfactual research. We are more concerned with causal inference than prediction problems, so this study uses a causal forest analysis method. In addition, this study also analyzes the timing of heterogeneity treatment effects, in other words, if smiles are found to change fundraising performance, then what conditions can maximize the impact of treatment effects. This research helps users of P2P lending platforms to develop fundraising strategies for their own fundraising situations, in the hope of contributing to the elimination of information asymmetry and the flow of funds in the world. |
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| Description: | 碩士
國立政治大學
資訊管理學系
108356033 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0108356033 |
| Data Type: | thesis |
| DOI: | 10.6814/NCCU202101067 |
| Appears in Collections: | [資訊管理學系] 學位論文
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