关键词: P2P网贷 , 群组制度 , 社会资本

Abstract: In recent years, P2P lending networks have flourished in the midst of Chinas expanding financial sectorThe financial activation and expansion of newer investment channels are also facing many theoretical and practical issuesThis paper studies P2P Lending Network Group Systems from a social capital perspective by using the worlds largest P2P lending network, ProspercomBy performing an empirical examination on more than 126 000 borrowers, this paper concludes that joining P2P lending groups, in particular, joining leading and higher credit score groups, can not only improve the success rate of obtaining loans, but also reduce the interest rate of those loansThis paper argues that the Prospercom P2P lending system serves as a worthy reference for Chinese P2P lending systemsEstablishing and perfecting P2P lending network group systems is one way to successfully develop Chinas P2P lending networks.

Key words: P2P lending network , lending network group system , social capital