Peer-to-Peer Lending to Small Businesses
نویسندگان
چکیده
منابع مشابه
شناسایی مبتنی بر میزبان کرم واره ها در شبکه های peer-to-peer
کرم واره ها (کرم های کامپیوتری)، به علت قابلیت انتشار مستقل و اثرات مخربی که می توانند بر جای بگذارند، یکی از بزرگترین تهدیدات شبکه محسوب می گردند. روش های تشخیص کرم واره باید از سرعت بالایی برخوردار بوده، نرخ خطای پایینی داشته و قابلیت تشخیص کرم واره ها ی جدید را نیز داشته باشند. شبکه های جدیدی مانند شبکه peer-to-peer (p2p)باعث به وجود آمدن زمینه جدیدی برای فعالیت کرم واره ها شده اند. کرم واره...
15 صفحه اولOnline Peer-to-Peer Lending: A Lenders' Perspective
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...
متن کاملOnline Peer-to-Peer Lending – A Literature Review
The term online peer-to-peer lending (P2P) describes the loan origination process between private individuals on online platforms were financial institutions operate only as intermediates required by law. Initialized by groups in online social networks, first commercial online P2P lending platforms started in 2005. Thus online P2P lending is a relatively young research field. This paper gives a...
متن کاملThe Business Models and Economics of Peer-to-Peer Lending
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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ژورنال
عنوان ژورنال: SSRN Electronic Journal
سال: 2014
ISSN: 1556-5068
DOI: 10.2139/ssrn.2390886