Background: Online peer-to-peer lending (P2P lending) is booming as the popularity of e-finance. To develop a conceptual model for the P2P lending process is great valuable for managers to tack the issues of marketing, management and operation. Methods: In this paper, we focus on the P2P lending process model and provide a comparative analysis comparing with traditional bank loan process. Resul...

This paper uses a sample of 7235 banks from 160 countries between 2000 and 2016 to investigate the link corruption, lending bank performance. It considers both country- bank-level corruption. The study finds that while corruption increases lending, it has an adverse impact on profits risks (credit, solvency distance default). Corporate is found be most influenced by Bank-level influences perfor...

This paper examines the bank lending channel, which considers how monetary authority actions affect the variation of loans. We focus on the BRICS (Brazil, Russia, India, China and South Africa) totalizing 1254 banks from five countries in the period 2000-2012 (totalizing 13 years). The empirical results show that the effect of money supply growth on the growth of loans is non-linear and inverte...

The paper studies the bank’s lending decision, based on three observed phenomena: Banks earn substantial profits from off-balance sheet activities and services, which they take into account in their lending decisions. Secondly, the critical point in the customer relation is the loan decision: the probability of the customer staying with the bank is a function of the loan extended each time one ...

Since 1990, federal bank supervisors have announced formal enforcement actions publicly. The change in regime provides a natural laboratory to test two propositions: (1) claims by economists that putting confidential supervisory information in the public domain will enhance market discipline and (2) claims by bank supervisors that releasing such data will spark runs. To evaluate these propositi...

How does the expansion of domestic banks in international markets affect bank lending channel monetary policy? Using bank-firm loan-level data, we find that loan growth and rates from respond less to policy changes than internationalization partially mitigates risk-taking policy. Banks with a large presence tend tolerate more their credit risk exposition relative banks. Moreover, rely on foreig...