Sökning: "P2P lending"

Visar resultat 1 - 5 av 11 uppsatser innehållade orden P2P lending.

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

    Uppsats för yrkesexamina på avancerad nivå, Umeå universitet/Företagsekonomi

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

    Sammanfattning : 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. LÄS MER

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

    D-uppsats, Handelshögskolan i Stockholm/Institutionen för finansiell ekonomi

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

    Sammanfattning : 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. LÄS MER

  4. 3. Marketplace lending - A study of the relationship between alternative lenders and commercial banks

    C-uppsats, Handelshögskolan i Stockholm/Institutionen för finansiell ekonomi

    Författare :Anna Lindell; Cajsa Sernelin; [2020]
    Nyckelord :Marketplace Lending; FinTech; Consumer Credit; FAS 166 167; P2P lending;

    Sammanfattning : Using a conceptual framework developed by Tang (2019), this paper examines whether Marketplace lending platforms operate as substitutes or complements to bank lending in terms of borrower credit quality and loan size. Employing data on 85,660 loans funded by LendingClub from 2009-2012, we investigate the relative difference in U.S. LÄS MER

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

    Kandidat-uppsats, Mälardalens högskola/Akademin för ekonomi, samhälle och teknik

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

    Sammanfattning : 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. LÄS MER

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

    C-uppsats, Handelshögskolan i Stockholm/Institutionen för finansiell ekonomi

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

    Sammanfattning : 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. LÄS MER