自我建构、文化差异和信用风险——来自互联网金融的经验证据 -- 上海财经大学期刊社

5 刘瑞明,杨冰岩,焦豪. 短视认知偏差、公共产品提供与社会道德救助−应该如何重建我们的社会秩序?[J]. 管理世界,2018,(11):36−51. DOI:10.3969/j.issn.1002-5502.2018.11.005

6 马欣然,任孝鹏,徐江. 中国人集体主义的南北方差异及其文化动力[J]. 心理科学进展,2016,(10):1551−1555.

7 欧阳静. 农民公私观念与国家观念的南北差异−从农民对新闻联播的态度谈起[J]. 开发研究,2008,(2):77−79. DOI:10.3969/j.issn.1003-4161.2008.02.020

8 仇立平,肖日葵. 文化资本与社会地位获得−基于上海市的实证研究[J]. 中国社会科学,2011,(6):121−135.

9 于全辉. 基于有限理性假设的行为经济学分析[J]. 经济问题探索,2006,(7):20−23. DOI:10.3969/j.issn.1006-2912.2006.07.005

10 中国人民银行征信中心与金融研究所联合课题组. 互联网信贷、信用风险管理与征信[J]. 金融研究,2014,(10):133−147.

11 Aaker J L,Lee A Y. " I” seek pleasures and " we” avoid pains:The role of self-regulatory goals in information processing and persuasion[J]. Journal of Consumer Research,2001,28(1): 33−49. DOI:10.1086/321946

12 Agarwal S,Chomsisengphet S,Liu C L. Consumer bankruptcy and default:The role of individual social capital[J]. Journal of Economic Psychology,2011,32(4): 632−650. DOI:10.1016/j.joep.2010.11.007

13 Agrawal N,Maheswaran D. The effects of self-construal and commitment on persuasion[J]. Journal of Consumer Research,2005,31(4): 841−849. DOI:10.1086/426620

14 Ahluwalia R. How far can a brand stretch? Understanding the role of self-construal[J]. Journal of Marketing Research,2008,45(3): 337−350. DOI:10.1509/jmkr.45.3.337

15 Alesina A,La Ferrara E. Who trusts others?[J]. Journal of Public Economics,2002,85(2): 207−234. DOI:10.1016/S0047-2727(01)00084-6

16 Andriotis P, Takasu A, Tryfonas T. Smartphone message sentiment analysis[A]. Proceedings of the 10th IFIP WG 11.9 international conference on digital forensics X[C]. Vienna, Austria: Springer, 2014.

17 Ashton–James C,Van Baaren R B,Chartrand T L,et al. Mimicry and me:The impact of mimicry on self–construal[J]. Social Cognition,2007,25(4): 518−535. DOI:10.1521/soco.2007.25.4.518

18 Avery R B,Calem P S,Canner G B. Consumer credit scoring:Do situational circumstances matter?[J]. Journal of Banking & Finance,2004,28(4): 835−856.

19 Bhutta N. Payday loans and consumer financial health[J]. Journal of Banking & Finance,2014,47: 230−242.

20 Blumenstock J E,Eagle N,Fafchamps M. Airtime transfers and mobile communications:Evidence in the aftermath of natural disasters[J]. Journal of Development Economics,2016,120: 157−181. DOI:10.1016/j.jdeveco.2016.01.003

21 Brehm J,Rahn W. Individual-level evidence for the causes and consequences of social capital[J]. American Journal of Political Science,1997,41(3): 999−1023. DOI:10.2307/2111684

22 Cojuharenco I,Shteynberg G,Gelfand M,et al. Self-construal and unethical behavior[J]. Journal of Business Ethics,2012,109(4): 447−461. DOI:10.1007/s10551-011-1139-8

23 Cornée S. The relevance of soft information for predicting small business credit default:Evidence from a social bank[J]. Journal of Small Business Management,2019,57(3): 699−719. DOI:10.1111/jsbm.12318

24 Cross S E,Bacon P L,Morris M L. The relational-interdependent self-construal and relationships[J]. Journal of Personality and Social Psychology,2000,78(4): 791−808. DOI:10.1037/0022-3514.78.4.791

25 Cross S E,Hardin E E,Gercek-Swing B. The what,how,why,and where of self-construal[J]. Personality and Social Psychology Review,2011,15(2): 142−179. DOI:10.1177/1088868310373752

26 Cross S E,Morris M L,Gore J S. Thinking about oneself and others:The relational-interdependent self-construal and social cognition[J]. Journal of Personality and Social Psychology,2002,82(3): 399−418. DOI:10.1037/0022-3514.82.3.399

27 Dobbie W,Skiba P M. Information asymmetries in consumer credit markets:Evidence from payday lending[J]. American Economic Journal:Applied Economics,2013,5(4): 256−282. DOI:10.1257/app.5.4.256

28 Dorfleitner G,Priberny C,Schuster S,et al. Description-text related soft information in peer-to-peer lending: Evidence from two leading European platforms[J]. Journal of Banking & Finance,2016,64: 169−187.

29 Dufhues T,Buchenrieder G,Euler D G,et al. Network based social capital and individual loan repayment performance[J]. The Journal of Development Studies,2011,47(8): 1199−1215. DOI:10.1080/00220388.2010.547936

30 Ellis J B,Wittenbaum G M. Relationships between self-construal and verbal promotion[J]. Communication Research,2000,27(6): 704−722. DOI:10.1177/009365000027006002

31 Escalas J E,Bettman J R. Self-construal,reference groups,and brand meaning[J]. Journal of Consumer Research,2005,32(3): 378−389. DOI:10.1086/497549

32 Gardner W L,Gabriel S,Lee A Y. " I” value freedom,but " we” value relationships:Self-construal priming mirrors cultural differences in judgment[J]. Psychological Science,1999,10(4): 321−326. DOI:10.1111/1467-9280.00162

33 Granovetter M. The strength of weak ties:A network theory revisited[J]. Sociological Theory,1983,1: 201−233. DOI:10.2307/202051

34 Graves S M. Landscapes of predation,landscapes of neglect:A location analysis of payday lenders and banks[J]. The Professional Geographer,2003,55(3): 303−317.

35 Haberstroh S,Oyserman D,Schwarz N,et al. Is the interdependent self more sensitive to question context than the independent self? Self-construal and the observation of conversational norms[J]. Journal of Experimental Social Psychology,2002,38(3): 323−329. DOI:10.1006/jesp.2001.1513

36 Herzenstein M,Sonenshein S,Dholakia U M. Tell me a good story and I may lend you money:The role of narratives in peer-to-peer lending decisions[J]. Journal of Marketing Research,2011,48(SPL): S138−S149. DOI:10.1509/jmkr.48.SPL.S138

37 Holland R W,Roeder U R,van Baaren R B,et al. Don’t stand so close to me:The effects of self-construal on interpersonal closeness[J]. Psychological Science,2004,15(4): 237−242. DOI:10.1111/j.0956-7976.2004.00658.x

38 Holtgraves T. Text messaging, personality, and the social context[J]. Journal of Research in Personality, 2011, 45（1）: 92−99.

39 Hong J W,Chang H H. " I” follow my heart and " We” rely on reasons:The impact of self-construal on reliance on feelings versus reasons in decision making[J]. Journal of Consumer Research,2015,41(6): 1392−1411. DOI:10.1086/680082

40 Hou Y B,Zhu Y,Peng K P. Thinking style and disease cognitions among Chinese people[J]. Journal of Psychology in Chinese Societies,2003,4(2): 161−180.

41 Huang J,Van den Brink H M,Groot W. A meta-analysis of the effect of education on social capital[J]. Economics of Education Review,2009,28(4): 454−464. DOI:10.1016/j.econedurev.2008.03.004

42 Iyer R,Khwaja A I,Luttmer E F P,et al. Screening peers softly:Inferring the quality of small borrowers[J]. Management Science,2016,62(6): 1554−1577. DOI:10.1287/mnsc.2015.2181

43 Jacobson T,Roszbach K. Bank lending policy,credit scoring and value-at-risk[J]. Journal of Banking & Finance,2003,27(4): 615−633.

44 Kim H,Markus H R. Deviance or uniqueness,harmony or conformity? A cultural analysis[J]. Journal of Personality and Social Psychology,1999,77(4): 785−800. DOI:10.1037/0022-3514.77.4.785

45 Laibson D. Golden eggs and hyperbolic discounting[J]. The Quarterly Journal of Economics,1997,112(2): 443−478. DOI:10.1162/003355397555253

46 Lalwani A K,Shavitt S. You get what you pay for? Self-construal influences price-quality judgments[J]. Journal of Consumer Research,2013,40(2): 255−267. DOI:10.1086/670034

47 Lalwani A K, Shrum L J, Chiu C Y. Motivated response styles: The role of cultural values, regulatory focus, and self-consciousness in socially desirable responding[J]. Journal of Personality and Social Psychology, 2009, 96（4）: 870−882.

48 Lee A Y,Aaker J L,Gardner W L. The pleasures and pains of distinct self-construals:The role of interdependence in regulatory focus[J]. Journal of Personality and Social Psychology,2000,78(6): 1122−1134. DOI:10.1037/0022-3514.78.6.1122

49 Lin M F,Prabhala N R,Viswanathan S. Judging borrowers by the company they keep:Friendship networks and information asymmetry in online peer-to-peer lending[J]. Management Science,2013,59(1): 17−35. DOI:10.1287/mnsc.1120.1560

50 Lin Z C,Lin Y,Han S H. Self-construal priming modulates visual activity underlying global/local perception[J]. Biological Psychology,2008,77(1): 93−97. DOI:10.1016/j.biopsycho.2007.08.002

51 Mandel N. Shifting selves and decision making:The effects of self-construal priming on consumer risk-taking[J]. Journal of Consumer Research,2003,30(1): 30−40. DOI:10.1086/374700

52 Markus H R,Kitayama S. Culture and the self:Implications for cognition,emotion,and motivation[J]. Psychological Review,1991,98(2): 224−253. DOI:10.1037/0033-295X.98.2.224

53 Min J K, Wiese J, Hong J I, et al. Mining smartphone data to classify life-facets of social relationships[A]. Proceedings of the 2013 conference on computer supported cooperative work[C]. San Antonio, Texas, USA: ACM, 2013.

54 Monga A B,John D R. Cultural differences in brand extension evaluation:The influence of analytic versus holistic thinking[J]. Journal of Consumer Research,2007,33(4): 529−536. DOI:10.1086/510227

55 Monga A B,John D R. When does negative brand publicity hurt? The moderating influence of analytic versus holistic thinking[J]. Journal of Consumer Psychology,2008,18(4): 320−332. DOI:10.1016/j.jcps.2008.09.009

56 Ng T W H,Feldman D C. How broadly does education contribute to job performance?[J]. Personnel Psychology,2009,62(1): 89−134. DOI:10.1111/j.1744-6570.2008.01130.x

57 Nisbett R E,Peng K P,Choi I,et al. Culture and systems of thought:Holistic versus analytic cognition[J]. Psychological Review,2001,108(2): 291−310. DOI:10.1037/0033-295X.108.2.291

58 Oyserman D,Coon H M,Kemmelmeier M. Rethinking individualism and collectivism:Evaluation of theoretical assumptions and meta-analyses[J]. Psychological Bulletin,2002,128(1): 3−72. DOI:10.1037/0033-2909.128.1.3

59 Penner L A,Dovidio J F,Piliavin J A,et al. Prosocial behavior:Multilevel perspectives[J]. Annual Review of Psychology,2005,56: 365−392. DOI:10.1146/annurev.psych.56.091103.070141

60 Pope D G,Sydnor J R. What’s in a Picture?:Evidence of discrimination from prosper[J]. Journal of Human Resources,2011,46(1): 53−92. DOI:10.1353/jhr.2011.0025

61 Rest J, Narvaez D. The college experience and moral development[A]. Kurtines W M, Gewirtz J, Lamb J L. Handbook of moral behavior and development[M]. Hillsdale, NJ: Erlbaum, 1991.

62 Ruef M. Strong ties,weak ties and islands:Structural and cultural predictors of organizational innovation[J]. Industrial and Corporate Change,2002,11(3): 427−449. DOI:10.1093/icc/11.3.427

63 Sanders J M,Nee V. Immigrant self-employment:The family as social capital and the value of human capital[J]. American Sociological Review,1996,61(2): 231−249. DOI:10.2307/2096333

64 Sewell W H,Hauser R M. Causes and consequences of higher education:Models of the status attainment process[J]. American Journal of Agricultural Economics,1972,54(5): 851−861. DOI:10.2307/1239228

65 Simon H A. Rational choice and the structure of the environment[J]. Psychological Review,1956,63(2): 129−138. DOI:10.1037/h0042769

66 Sinclair L,Fehr B. Voice versus loyalty:Self-construals and responses to dissatisfaction in romantic relationships[J]. Journal of Experimental Social Psychology,2005,41(3): 298−304. DOI:10.1016/j.jesp.2004.06.004

67 Singelis T M,Sharkey W F. Culture,self-construal,and embarrassability[J]. Journal of Cross-Cultural Psychology,1995,26(6): 622−644. DOI:10.1177/002202219502600607

68 Talhelm T,Zhang X,Oishi S,et al. Large-scale psychological differences within China explained by rice versus wheat agriculture[J]. Science,2014,344(6184): 603−608. DOI:10.1126/science.1246850

69 Tan T H, Phan T Q. Social media-driven credit scoring: The predictive value of social structures[J]. SSRN Working Paper, No. 3217885, 2018.

70 Trafimow D,Triandis H C,Goto S G. Some tests of the distinction between the private self and the collective self[J]. Journal of Personality and Social Psychology,1991,60(5): 649−655. DOI:10.1037/0022-3514.60.5.649

71 Trevino L K. Moral reasoning and business ethics:Implications for research,education,and management[J]. Journal of Business Ethics,1992,11(5-6): 445−459. DOI:10.1007/BF00870556

72 Weber E U,Hsee C. Cross-cultural differences in risk perception,but cross-cultural similarities in attitudes towards perceived risk[J]. Management Science,1998,44(9): 1205−1217. DOI:10.1287/mnsc.44.9.1205

73 Wei Y, Yildirim P, Van den Bulte C, et al. Credit scoring with social network data[J]. Marketing Science, 2016, 35（2）: 234−258.

74 Wei Z Y,Lin M F. Market mechanisms in online peer-to-peer lending[J]. Management Science,2016,63(12): 4236−4257.

75 Wiepking P,Maas I. Resources that make you generous:Effects of social and human resources on charitable giving[J]. Social Forces,2009,87(4): 1973−1995. DOI:10.1353/sof.0.0191

76 Zhang Y L,Shrum L J. The influence of self-construal on impulsive consumption[J]. Journal of Consumer Research,2009,35(5): 838−850. DOI:10.1086/593687