What type of study is this?

This is a Probit model study (also classified as: Observational).

Do High-risk Investors Matter in Online P2P Lending Market? Evidence from China

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Analysis of default risks and interest rates in online P2P lending, suggesting high-risk investors play a crucial role.

A 1% increase in high-risk investors correlates with a 0.79% rise in loan default likelihood.
Interest rates for loans increase by 4% with a higher percentage of high-risk investors involved.
The findings highlight the importance of considering investor risk in P2P lending risk management.
This study utilizes a Probit model on a dataset of over 337,000 loan listings from a leading platform.

Tang et al. (2022) studied this question.

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