马来西亚的P2P贷款平台:马来西亚成年人的认识
Lan Thi Phuong Nguyen1, Saravanan Muthaiyah1, Malick Ousmane Sy2
1Faculty of Management, Multimedia University, Cybejaya, Selangor, 63100, Malaysia.
F1000Research
|September 7, 2023
概括
马来西亚对点对点 (P2P) 贷款平台的认识很低,即使在那些有良好的金融素养的人中也是如此. 过去的投资经验对意识产生了积极的影响,突出了需要积极推广P2P贷款服务的必要性.
科学领域:
- 金融技术 (金融科技)
- 投资行为 投资行为
- 市场透率 市场透率
背景情况:
- 自2016年以来,马来西亚证券委员会 (SC) 已授权11个点对点 (P2P) 贷款平台.
- 人与人贷款平台正准备颠覆传统的贷款服务.
- 了解投资者意识对于新兴的P2P贷款市场的增长至关重要.
研究的目的:
- 评估马来西亚成年人对P2P贷款平台的认识程度.
- 调查过去的投资经验对P2P贷款意识的影响.
- 探索金融素养对马来西亚P2P贷款意识的影响.
主要方法:
- 这是一项涉及335名马来西亚人的定量研究.
- 在线问卷评估人口统计,财务素养和P2P贷款意识.
- 统计分析包括频率,描述性,正常性,皮尔森和多重回归.
主要成果:
- 尽管70%的受访者表现出良好的财务素养,但只有14.33%的受访者表现出对P2P贷款的良好或良好的认识.
- 多重回归分析表明,过去的贷款经验和P2P贷款意识之间存在正相关性.
- 金融素养并没有显著影响人们对P2P贷款平台的认识.
结论:
- 马来西亚成年人的P2P贷款意识仍然非常低,无论他们的金融教育如何.
- 缺乏先前的投资经验和对现有P2P平台的不熟悉,导致认识较低.
- 建议在社交媒体上积极推广P2P贷款平台,以实现马来西亚的市场引力.
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