Essays about: "Peer-to-peer P2P lending"

Showing result 1 - 5 of 7 essays containing the words Peer-to-peer P2P lending.

1. 1. Peer-to-Peer lending and the Traditional banking industry : The relationship in the Swedish market from a managerial perspective

   University essay from Umeå universitet/Företagsekonomi

   Author : Karl Johan August Skoog; Carl William Simon Tollnerius; [2022]
   Keywords : Peer-to-peer lending; P2P lending; Traditional banking; FinTech; Financial institutions; Crowdfunding; Clayton Cristensen´s theory of disruption.;

   Abstract : Is the collapse of the traditional banking industry imminent? Although this is a thoughtprovoking statement and numerous arguments could be made for its inevitable demise in the faceof the fast moving and highly innovative Fintech industry, the fact remains that the traditionalbanking industry still serves as the primary financial intermediary when it comes to almost all ofour financial needs. But what if this wasn't the case? The rise of the Fintech industry has broughtwith it a tidal wave of new innovations and technologies that have in more recent yearschallenged the traditional banking industries' unassailable position in the credit market. READ MORE

3. 2. Credit Risk Analysis with Machine Learning for Peer-to-Peer Lending

   University essay from Handelshögskolan i Stockholm/Institutionen för finansiell ekonomi

   Author : Lingzhi Huang; Wanlin Hu; [2021]
   Keywords : Credit Risk; Default; Machine Learning; Peer-to-Peer Lending; Predictive Modelling;

   Abstract : In the past decade, the scale and scope of fintech credit have snowballed. The peer-to-peer lending industry can be seen as a complement to the traditional banking system. Improving the performance of lending platforms by increasing the accuracy of credit default predictions can help these platforms establish a decisive advantage in the market. READ MORE

4. 3. P2P LENDING MARKET: DETERMINANTS OF INTEREST RATE AND DEFAULT RISK

   University essay from Mälardalens högskola/Akademin för ekonomi, samhälle och teknik

   Author : Guanting Liu; [2019]
   Keywords : peer-to-peer lending market; information asymmetry; adverse selection;

   Abstract : The peer to peer (p2p) lending industry has grown fast in recent years. This study put an eye on the credit evaluation system of one of the p2p platform named lending club. The author used the empirical method and discussed the determinants of the interest rate and the default risk in the p2p lending market. READ MORE

5. 4. P2P Lending - An Investor's Perspective on the Measurement of Return and Factors Impacting Default Hazards

   University essay from Handelshögskolan i Stockholm/Institutionen för finansiell ekonomi

   Author : Alfred Hedlund; Amanda Johansson; [2019]
   Keywords : P2P lending; Peer-to-Peer; IRR; Survival Analysis; Cox model;

   Abstract : The emergence of peer-to-peer (P2P) lending platforms has caught the attention of researchers. However, limited attention has been directed toward the investors. This paper aims to explore and measure the components of P2P lending returns in Sweden. READ MORE

6. 5. Credit risk analysis with machine learning techniques in peer-to-peer lending market

   University essay from Stockholms universitet/Företagsekonomiska institutionen

   Author : Mikael Nilsson; Qionglin Shan; [2018]
   Keywords : ;

   Abstract : After the sub-prime mortgage crisis of 2007 and global crisis of 2008, credit risk analysis has becomes more important than ever before. This paper conducts the credit risk analysis and compares classification performances among different algorithms (logistic regression, support vector machine, decision tree, multilayer perception, probabilistic neural network, Deep Learning) by using a large peer-to-peer lending dataset composed of a million observations. READ MORE