Nickname and Loan Success Rate or Default Rate in P2P Lending Platform
Abstract：In the Internet age, nickname and real name, which is more trustworthy? This is an interesting and meaningful question. In this paper, using big sample from representative enterprise, renrendai.com, we discuss the influence of using real name and nickname on loan success rate and loan default rate. Empirical results show that using the real name will reduce the loan success rate in the P2P lending market. At the same time, the borrowers with real name, have a higher loan default rate. The policy implication of this paper is that it should strengthen the supervision of information disclosure of P2P lending. Key words：Nickname, Credit Identification, P2P Lending
