The Trigger Mechanism of the Dynamic Evolution of Loan Customers' Lost-Linking Modes and the Influence of the External Environment

DOI: https://doi.org/10.62517/jmsd.202512215

Author(s)

Jiaqi Wang*

Affiliation(s)

Faculty of Logistics, Guangdong Mechanical & Electrical Polytechnic, Guangzhou, China *Corresponding Author

Abstract

The dynamic evolution of loan customers' lost-linking modes poses significant challenges to risk prevention in the context of financial digitalization. This research constructs a three-dimensional "behavior-asset-relationship" trigger mechanism to systematically analyze the evolutionary logic of lost-linking modes, ranging from intermittent avoidance (Hide and Seek, HS) to systematic evasion (Flee with the Money, FM) or deliberate social disconnection (False Disappearance, FD). By integrating external environmental factors-such as economic cycles, industry strategies, and unexpected events-the research reveals their moderating effects on the evolutionary pathways. Findings indicate that the evolution of lost-linking modes reflects a systemic escalation of evasion strategies, while external environments accelerate or inhibit this process by altering evasion costs and behavioral motivations. Based on these insights, the study proposes practical strategies for financial institutions, including dynamic monitoring systems, tiered intervention approaches, and enhanced external environmental responsiveness, to optimize post-loan risk management.

Keywords

Loan Customers; Lost-Linking Modes; Dynamic Evolution; Trigger Mechanisms; External Environment

References

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