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The role of marital status in the online lending market: Evidence from the Renrendai platform
Yanhong Qian,Wenli Huang,Anyun Chen 한국증권학회 2022 한국증권학회지 Vol.51 No.4
Based on data from the Renrendai platform in China, this paper studies the impacts of marital status on funding success and default. Probit models are employed to perform the main regressions. The empirical results show that married borrowers have the highest rate of funding success, followed by divorced and single borrowers. While the default risk of divorced borrowers is higher than that of married borrowers, it is not different from that of single borrowers. In addition, this paper uncovers an important joint effect of marital status and education on online lending.
Overexpression of OsVP1 and OsNHX1 Increases Tolerance to Drought and Salinity in Rice
Shiping Liu,Luqing Zheng,Yanhong Xue,Qian Zhang,Lu Wang,Huixia Shou 한국식물학회 2010 Journal of Plant Biology Vol.53 No.6
Drought and salinity are major abiotic stresses affecting rice production. To improve plant tolerance to salinity and drought, we overexpressed rice Na+/H+ exchangers (OsNHX1) and H+-pyrophosphatase in tonoplasts (OsVP1) in a japonica elite rice cultivar, Zhonghua 11. Compared with our wild-type control, transgenic plants overexpressing both genes incurred less damage when exposed to long-term treatment with 100 mM NaCl or water deprivation. Under high-saline conditions, the transformants accumulated less Na+ and malondialdehyde in the leaves,thereby allowing the plants to maintain a low level of leaf water potential and reduce stress-induced damage. Those transgenics also had higher photosynthetic activity during the stress period. Under those conditions, they also showed an increase in root biomass, which enabled more water uptake. These results suggest that OsVP1 and OsNHX1 improve the tolerance of rice crops against drought and salt by employing multiple strategies in addition to osmotic regulation.