label: url

en: The Discrimination against Non-financial Characteristics of Borrowers in Chinese P2P Lending

ja: 中国P2Pネット金融における差別

en: The market of Chinese P2P Lending has rapidly grown in the last ten years. We use transaction records of RRD, which is one of the leading platforms in Chinese P2P Lending, to analyze the financial discrimination in this market. Using the non-financial characteristics of borrowers, including five variables--gender, age, educational background, marital status, and working location, we estimate the funding rate, default rate, and return rate of the loan securities. Different from standard economics, the estimation results of these variables are significant, which means that non-financial characteristics are as important as financial ones for lenders. Moreover, we find that the discrimination regarding gender, marital status, and working location is rational statistical discrimination, while discrimination on age is irrational taste-based discrimination.

ja: 中国のP2P ネット金融は，ここ10 年の間，大きく成長してきた．本稿では大手P2P ネット金融プラットフォームである「人人貸」(RRD)の取引レコードを用いて，借手の非金融的属性(年齢，性別，婚姻状況など)がローン証券の成約，デフォルト及び収益に与える影響を3つの統計モデルに基づき分析した．結果として，標準的な経済学の理論に反し，統計モデルではローン証券の成約，デフォルト率と収益率に借手の非金融的属性が有意に効いていることが確認できた．これは貸手がローン証券に投資する際，借手の非金融的属性を積極的に利用していることを意味し，借手の非金融的属性が金融的属性と同じ，貸手にとっては非常に重要な借手情報である．さらに，性別，学歴，婚姻状況と勤務所在地に対する差別は合理的な統計的差別(Statistical Discrimination)に対して，年齢に対する差別は非合理的選好による差別(Taste-based Discrimination)と判別することができた．

en: パーソナルファイナンス研究

ja: パーソナルファイナンス研究


en: Examination of Gauguins Color Preference

en: Papers and Proceedings of the Geographic Information Systems Association


en: Examination of the Relationship between L2 Perception and Production: An Investigation of English /r/-/l/ Perception and Production by Adult Japanese Speakers

en: Second Language Studies: Acquisition, Learning, Education and Technology, Interspeech 2010


en: English /r/-/l/ category assimilation by Japanese adults: Individual differences and the link to identification accuracy

en: Native speakers of Japanese often have difficulty identifying English /r/ and /l/, and it has been thought that second-language (L2) learning difficulties like this are caused by how L2 phonemes are assimilated into ones native phonological system. This study took an individual difference approach to examining this relationship by testing the category assimilation of Japanese speakers with a wide range of English /r/-/l/ identification abilities. All Japanese subjects were assessed in terms of (1) their accuracy in identifying English /r/ and /l/, (2) their assimilation of /r/ and /l/ into their Japanese flap category, (3) their production of /r/ and /l/, and (4) their best-exemplar locations for /r/, /l/, and Japanese flap in a five-dimensional set of synthetic stimuli (F1, F2, F3, closure duration, and transition duration). The results demonstrated that Japanese speakers assimilate /l/ into their flap category more strongly than they assimilate /r/. However, there was little evidence that category assimilation was predictive of English /r/-/l/ perception and production. Japanese speakers had three distinct best exemplars for /r/, /l/, and flap, and only their representation of F3 in /r/ and /l/ was predictive of identification ability.

en: The Journal of the Acoustical Society of America


en: Examination of similarity between English /r/, /l/, and Japanese flap: An investigation of best exemplars by English and Japanese speakers

en: 16th International Congress of Phonetic Sciences


en: 係留気球と無人航空機を活用した災害対応情報支援システムの構想

ja: 係留気球と無人航空機を活用した災害対応情報支援システムの構想

en: Theory and Applications of GIS

ja: GIS-理論と応用


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ja: Papers and Proceedings of the Geographic Information Systems Association


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