Als Social Lending bezeichnet man die Kreditvergabe zwischen Privatpersonen. Beim Online Social Lending veröffentlichen potenzielle Kreditnehmer ihre Gesuche auf entsprechenden Webseiten im Internet, um private Investoren zu finden. Dieser Beitrag weist auf einen Konflikt zwischen wirtschaftlichen Interessen und Datenschutzzielen hin und analysiert ihn mit empirischen Daten der größten deutsche...

In this study, we drew from the existing online trust model to develop a specific model of online lending platform trust from the perspectives of cognition-based trust and affect-based trust. Trust between lenders and borrowers have been discussed a lot but there are no empirical studies focusing on trust toward lending platforms. The dearth of the relevant studies on this aspect indicates the ...

This paper studies the risk-return profile of centralized and decentralized banks. We address the conditions that favor a particular lending regime while acknowledging the effects on lending and returns caused by the course of the business cycle. To analyze these issues, we develop a model which incorporates two stylized facts; (i) banks in which lending decisions are decentralized tend to have...

This document describes the techniques used in and results of our project to apply social and information network analysis to the Kiva.org online microlending network. The Kiva network can be modeled as a set of bipartite graphs linking lenders to loans, lending teams to loans, and individual lenders to lending teams. Folding the lender-loan graph to create a graph of lenders linked by common l...

Interest rate based tests and savings-investment correlations disagree on the extent of capital mobility in Pacific Rim economies. The apparent success of several East Asian countries in sterilizing capital inflows has also fueled the controversy. This paper argues that previous studies examining money market rates may be misplacing their focus, since most lending is mediated through (sometimes...

While the concept of customer lending relationships in banking has generated a great deal of recent attention, one gap in the empirical literature is that linking current lending business and the sale of “other products”. Specifically, does establishing a lending relationship today add value for the bank by increasing the probability of attracting future business from the same customer? Indeed,...

We study the e¤ects of securitization on interbank lending competition when banks see private signals of local applicants’ repayment chances. If banks cannot securitize, the outcome is e¢ cient: they lend to their most creditworthy local applicants. With securitization, banks lend also to remote applicants with strong observables in order to lessen the lemons problem they face in selling their ...