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This study explores factors influencing the interest rates of peer-to-peer microloans in China using a panel dataset from 2013 to 2019. It finds internal factors like loan term and volume, and external factors like risk-free rates and private lending rates were significant. The private lending rate had the largest impact. After 2018 reforms, the private rate became insignificant while other factors

Author

Retna Ayu Mustikarini Kencanasari

Language

EN