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peer to peer lending


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1 عمومی:: وام‌دهی نظیر به نظیر

Peer-to-peer lending platforms demonstrate that disintermediated lending allows pooling and risk diversification for households and small businesses. Peer-to-peer lending is relatively new and still of minor quantitative relevance, but it is growing strongly. In the case of peer-to-peer lending, for instance, the lending platform operator acts as the delegated monitor. Has a delegated monitor such as a peer-to-peer lending platform the right incentives to monitor borrowers properly? Some peer-to-peer lending platforms, for instance, provide data on ex post loan performance, the applied credit scoring models, and the inputs used for these models.

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