{"id":"https://openalex.org/W2745649652","doi":"https://doi.org/10.1108/jcefts-06-2017-0015","title":"FinTechs in China \u2013 with a special focus on peer to peer lending","display_name":"FinTechs in China \u2013 with a special focus on peer to peer lending","publication_year":2017,"publication_date":"2017-08-21","ids":{"openalex":"https://openalex.org/W2745649652","doi":"https://doi.org/10.1108/jcefts-06-2017-0015","mag":"2745649652"},"language":"en","primary_location":{"id":"doi:10.1108/jcefts-06-2017-0015","doi":"https://doi.org/10.1108/jcefts-06-2017-0015","is_oa":false,"landing_page_url":"https://doi.org/10.1108/jcefts-06-2017-0015","pdf_url":null,"source":{"id":"https://openalex.org/S125379575","display_name":"Journal of Chinese Economic and Foreign Trade Studies","issn_l":"1754-4408","issn":["1754-4408","1754-4416"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-c","anvur-scientific","cwts-core","poland-20","russia-white-list-2"],"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Chinese Economic and Foreign Trade Studies","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5024449077","display_name":"Caroline Stern","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I1341874111","display_name":"National Bank of Austria","ror":"https://ror.org/00nkcmy90","country_code":"AT","type":"other","lineage":["https://openalex.org/I1341874111"]}],"countries":["AT"],"is_corresponding":false,"raw_author_name":"Caroline Stern","raw_affiliation_strings":["Oesterreichische Nationalbank, Wien, Austria"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Oesterreichische Nationalbank, Wien, Austria","institution_ids":["https://openalex.org/I1341874111"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5001937722","display_name":"Mikko M\u00e4kinen","orcid":"https://orcid.org/0000-0001-5898-5277","observed_orcids":["https://orcid.org/0000-0001-5898-5277"]},"institutions":[{"id":"https://openalex.org/I181188550","display_name":"Bank of Finland","ror":"https://ror.org/04j3r8z61","country_code":"FI","type":"education","lineage":["https://openalex.org/I181188550"]}],"countries":["FI"],"is_corresponding":false,"raw_author_name":"Mikko Makinen","raw_affiliation_strings":["Bank of Finland, Helsinki, Finland"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Bank of Finland, Helsinki, Finland","institution_ids":["https://openalex.org/I181188550"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5039820157","display_name":"Zongxin Qian","orcid":"https://orcid.org/0000-0002-5284-5158","observed_orcids":["https://orcid.org/0000-0002-5284-5158"]},"institutions":[{"id":"https://openalex.org/I78988378","display_name":"Renmin University of China","ror":"https://ror.org/041pakw92","country_code":"CN","type":"education","lineage":["https://openalex.org/I78988378"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Zongxin Qian","raw_affiliation_strings":["Renmin University of China, Beijing, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Renmin University of China, Beijing, China","institution_ids":["https://openalex.org/I78988378"]}]}],"institutions":[],"countries_distinct_count":3,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":10.7525,"has_fulltext":false,"cited_by_count":92,"citation_normalized_percentile":{"value":0.98088291,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":100},"biblio":{"volume":"10","issue":"3","first_page":"215","last_page":"228"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.0,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.0,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.8949999809265137},{"id":"https://openalex.org/keywords/peer-to-peer-lending","display_name":"peer-to-peer lending","score":0.9929999709129333},{"id":"https://openalex.org/keywords/p2p-lending-platforms","display_name":"P2P lending platforms","score":0.9340000152587891},{"id":"https://openalex.org/keywords/china","display_name":"China","score":0.8529999852180481},{"id":"https://openalex.org/keywords/payment-services","display_name":"payment services","score":0.8019999861717224},{"id":"https://openalex.org/keywords/mobile-phone-subscriptions","display_name":"mobile phone subscriptions","score":0.9070000052452087},{"id":"https://openalex.org/keywords/fixed-asset-investment","display_name":"fixed asset investment","score":0.972000002861023},{"id":"https://openalex.org/keywords/regional-variation","display_name":"regional variation","score":0.47600001096725464}],"concepts":[{"id":"https://openalex.org/C191935318","wikidata":"https://www.wikidata.org/wiki/Q148","display_name":"China","level":2,"score":0.7859571576118469},{"id":"https://openalex.org/C2776950860","wikidata":"https://www.wikidata.org/wiki/Q2914681","display_name":"Originality","level":3,"score":0.7046712636947632},{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.6136216521263123},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5178375840187073},{"id":"https://openalex.org/C2776291640","wikidata":"https://www.wikidata.org/wiki/Q2912517","display_name":"Value (mathematics)","level":2,"score":0.47068434953689575},{"id":"https://openalex.org/C534932454","wikidata":"https://www.wikidata.org/wiki/Q161410","display_name":"Peer-to-peer","level":2,"score":0.46806445717811584},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.4391610026359558},{"id":"https://openalex.org/C166052673","wikidata":"https://www.wikidata.org/wiki/Q83021","display_name":"Empirical evidence","level":2,"score":0.4373719394207001},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.4161053001880646},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.2822079658508301},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.25780361890792847},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.11834868788719177},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.10262537002563477},{"id":"https://openalex.org/C120314980","wikidata":"https://www.wikidata.org/wiki/Q180634","display_name":"Distributed computing","level":1,"score":0.0},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0},{"id":"https://openalex.org/C111472728","wikidata":"https://www.wikidata.org/wiki/Q9471","display_name":"Epistemology","level":1,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C11012388","wikidata":"https://www.wikidata.org/wiki/Q170658","display_name":"Creativity","level":2,"score":0.0}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.1108/jcefts-06-2017-0015","doi":"https://doi.org/10.1108/jcefts-06-2017-0015","is_oa":false,"landing_page_url":"https://doi.org/10.1108/jcefts-06-2017-0015","pdf_url":null,"source":{"id":"https://openalex.org/S125379575","display_name":"Journal of Chinese Economic and Foreign Trade Studies","issn_l":"1754-4408","issn":["1754-4408","1754-4416"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-c","anvur-scientific","cwts-core","poland-20","russia-white-list-2"],"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Chinese Economic and Foreign Trade Studies","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:zbw:bofitb:82017","doi":null,"is_oa":false,"landing_page_url":"https://www.econstor.eu/bitstream/10419/251670/1/bpb1708.pdf","pdf_url":"https://www.econstor.eu/bitstream/10419/251670/1/bpb1708.pdf","source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"preprint"},{"id":"pmh:oai:econstor.eu:10419/251670","doi":null,"is_oa":false,"landing_page_url":"http://hdl.handle.net/10419/251670","pdf_url":null,"source":{"id":"https://openalex.org/S4306401696","display_name":"Econstor (Econstor)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"doc-type:report"}],"best_oa_location":null,"sustainable_development_goals":[{"score":0.5378999710083008,"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure"}],"sustainable_development_goals_aurora":[{"score":0.44999998807907104,"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":15,"referenced_works":["https://openalex.org/W1804644284","https://openalex.org/W1856117400","https://openalex.org/W1974300616","https://openalex.org/W2081405412","https://openalex.org/W2127539031","https://openalex.org/W2152176280","https://openalex.org/W2237283118","https://openalex.org/W2499762619","https://openalex.org/W2512761738","https://openalex.org/W2514942158","https://openalex.org/W2794962887","https://openalex.org/W3124090072","https://openalex.org/W3124691783","https://openalex.org/W3124948273","https://openalex.org/W3125062024"],"related_works":["https://openalex.org/W6999586618","https://openalex.org/W2559957312","https://openalex.org/W6990792042","https://openalex.org/W2357551231","https://openalex.org/W3007976184","https://openalex.org/W4245149852","https://openalex.org/W937610812","https://openalex.org/W3109556497","https://openalex.org/W3118582255","https://openalex.org/W6946161328"],"abstract_inverted_index":{"Purpose":[0],"China":[1,42,71,99],"is":[2,112,131,149,179],"a":[3,64,205],"country":[4],"with":[5,137,152,182,193],"the":[6,46,49,89,92,95,106,135,153,160,163,170,183],"most":[7],"number":[8,93,161],"of":[9,51,67,76,78,94,109,118,144,155,162,196,211],"operating":[10],"peer-to-peer":[11],"(P2P)":[12],"lending":[13,37,53,69,80,130],"platforms":[14,54,97,165],"(approximately":[15],"2,000)":[16],"worldwide.":[17],"This":[18,61,84,202],"study":[19,62,203],"aims":[20],"to":[21,169,208],"provide":[22],"an":[23,73,101],"overview":[24],"on":[25],"FinTechs":[26],"in":[27,41,55,58,70,81,91,98,134,147,166,174],"China.":[28,59,82],"It":[29],"was":[30],"examined":[31],"why":[32],"payment":[33],"services":[34],"and":[35,43,72,159],"P2P":[36,52,68,79,96,110,119,129,145,164,199,212],"are":[38,45],"so":[39],"popular":[40],"what":[44],"determinants":[47,77,210],"for":[48],"emergence":[50],"different":[56],"provinces":[57],"Design/methodology/approach":[60],"conducted":[63],"descriptive":[65,85],"analysis":[66,75,86,195],"empirical":[74,125,194],"Findings":[83],"shows":[87],"that":[88,128],"surge":[90],"follows":[100],"inverted":[102],"U-shaped":[103],"phenomenon.":[104],"However,":[105],"outstanding":[107,142],"balances":[108],"lenders":[111,120,146],"still":[113],"increasing,":[114],"while":[115],"average":[116,177],"yields":[117],"have":[121],"sharply":[122],"plunged.":[123],"The":[124],"findings":[126],"indicate":[127],"more":[132,138],"extensive":[133],"region":[136,148],"mobile":[139],"phone":[140],"subscriptions;":[141],"balance":[143],"negatively":[150,167],"associated":[151,181],"size":[154],"traditional":[156],"banking":[157],"sector;":[158],"related":[168],"fixed":[171,184],"assets":[172,185],"investments":[173],"region,":[175],"whereas":[176],"yield":[178],"positively":[180],"investments.":[186],"Originality/value":[187],"Currently,":[188],"almost":[189],"no":[190],"research":[191],"papers":[192],"FinTechs,":[197],"especially":[198],"lenders,":[200],"exist.":[201],"estimates":[204],"simple":[206],"model":[207],"find":[209],"lending.":[213]},"counts_by_year":[{"year":2026,"cited_by_count":2},{"year":2025,"cited_by_count":7},{"year":2024,"cited_by_count":4},{"year":2023,"cited_by_count":22},{"year":2022,"cited_by_count":18},{"year":2021,"cited_by_count":16},{"year":2020,"cited_by_count":15},{"year":2019,"cited_by_count":7},{"year":2018,"cited_by_count":1}],"updated_date":"2026-10-22T09:42:04.148104","created_date":"2017-08-31T00:00:00"}