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Comparison of Banking and Peer-to-Peer Lending Risks
Automation and Remote Control, 2021zbMATH Open Web Interface contents unavailable due to conflicting licenses.
Vyacheslav Davydov +2 more
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Peer-to-Peer Lending: Evolution and Trends
2021The paper discusses the recent developments in peer-to-peer lending, which is one of the most innovative online-based financial products. Peer-to-peer lending, also known as lending-based crowdfunding, connects donors, supporters, lenders and investors with individuals or companies in search of funds for specific projects.
Małgorzata Siemionek-Ruskań +1 more
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PEER-TO-PEER LENDING AS AN ALTERNATIVE TO BANK LENDING
Scientific Review Theory and Practice, 2021The article considers the mechanism of P2P-lending as lending by individuals to other individuals, through specially created online platforms, in which the lender and borrower are directly connected, without the participation of traditional financial intermediaries.
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Online peer-to-peer lending: A review of the literature
Electronic Commerce Research and Applications, 2021Abstract This study reviews the literature of online peer-to-peer (P2P) lending from 2008 until 2020 as an emergent but fast spreading phenomenon in the context of digital finance. Previous literature is geographically skewed towards United States and China with focus on determinants of funding success and loan attributes.
Shabeen A. Basha +2 more
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Drivers of lending decision in peer-to-peer lending in Malaysia
Review of Behavioral Finance, 2021Purpose Despite the emergence of peer-to-peer (P2P) lending in Malaysia, there is a knowledge gap on what drives the lending decision of P2P lending in the emerging Malaysian market. This research investigates how borrower's loan tenure, funding purpose, verified documents, accumulated transaction and repayment ...
Mohammad Tariqul Islam Khan +1 more
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Impact of Culture in Peer-to-Peer Lending
Journal of Corporate FinanceWe document that culture and cultural perception both influence financial decisions. We examine the impact of clan culture, an important dimension of Chinese culture, on individual lending behavior. Using data from RenRenDai, a leading peer-to-peer lending platform in China, we find that borrowers from regions with higher clan culture are more likely ...
Anand M. Goel, Hongju Ren
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2020
Viene analizzato il fenomeno del peer-to-peer lending, ovvero la facilitazione di prestiti tra privati (peer-to-consumer) o da privati ad imprese (peer-to-business), attraverso il ricorso a piattaforme online. Sfruttando l’innovazione tecnologica, questa nuova struttura mira a soddisfare bisogni classicamente finanziari, con modalità originali e piu ...
antonio blandini, ludovica vairo
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Viene analizzato il fenomeno del peer-to-peer lending, ovvero la facilitazione di prestiti tra privati (peer-to-consumer) o da privati ad imprese (peer-to-business), attraverso il ricorso a piattaforme online. Sfruttando l’innovazione tecnologica, questa nuova struttura mira a soddisfare bisogni classicamente finanziari, con modalità originali e piu ...
antonio blandini, ludovica vairo
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Analysis of the impact of collateral on peer-to-peer lending
2017 IEEE/SICE International Symposium on System Integration (SII), 2017Peer-to-Peer (P2P) lending provides online services that match lenders with borrowers. Although the service is cheaper and faster than the traditional financial institutions, P2P lending may have high defaults, which the lenders may never recover.
Yu-Wei Lee, Shu-Heng Chen, Tina Yu
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Bankruptcy Exemption and Peer-to-Peer Lending
Emerging Markets Finance and Trade, 2021The effects of personal bankruptcy law on the activities of traditional credit markets have attracted significant interests in many studies.
Luxiu Zhang +4 more
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Blockchain, herding and trust in peer-to-peer lending
Managerial Finance, 2018Purpose The gradual implementation of blockchain technology in peer-to-peer (P2P) lending platforms facilitates safer, transparent and quick access to funds without having to deal with the more complex and costly processes of banks. Beyond that, the purpose of this paper is to examine trust-enhancing heuristics that show a need for blockchain to ...
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