An overview of peer-to-peer lending
نویسندگان
چکیده
منابع مشابه
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Peer-to-peer (P2P) computing is a technological concept which is applicable at varied levels of system architecture. Its typical characteristic is that there is symmetric communication and data exchange between the peers; each peer is both a client and a server. It is the basis for decentralized distributed computing. The concept is widely deployed in different contexts and no formal definition...
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This paper reviews peer-to-peer (P2P) lending, its development in the UK and other countries, and assesses the business and economic policy issues surrounding this new form of intermediation. P2P platform technology allows direct matching of borrowers’ and lenders’ diversification over a large number of borrowers without the loans having to be held on an intermediary balance sheet. P2P lending ...
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Online Peer-to-Peer lending platforms claim to be beneficial for both borrowers and lenders by eliminating expensive intermediaries and reducing transaction costs. However, are the often inexperienced lenders who operate in a pseudonymous online environment with potentially significant information asymmetries really able to obtain an attractive return on their investment? This paper discusses t...
متن کاملPeer-to-peer lending and bias in crowd decision-making
Peer-to-peer lending is hypothesized to help equalize economic opportunities for the world's poor. We empirically investigate the "flat-world" hypothesis, the idea that globalization eventually leads to economic equality, using crowdfinancing data for over 660,000 loans in 220 nations and territories made between 2005 and 2013. Contrary to the flat-world hypothesis, we find that peer-to-peer le...
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ژورنال
عنوان ژورنال: Economy & finance
سال: 2020
ISSN: 2415-9379,2415-9379
DOI: 10.33908/ef.2020.2.6