Artikel
A process model on P2P lending
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. Results: Firstly, our model shows that the information flow in P2P lending is more frequent and transparent. Secondly, the model reveals that P2P lending uses a quite different credit audition method, which relies on information and the decision model in the P2P systems. Thirdly, the loan management is not complete normally in P2P lending, because most P2P companies do not have the post-loan records of borrowers. Conclusions: These findings inspire future studies and practices on P2P lending process and key technologies.
- Language
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Englisch
- Bibliographic citation
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Journal: Financial Innovation ; ISSN: 2199-4730 ; Volume: 1 ; Year: 2015 ; Issue: 3 ; Pages: 1-8 ; Heidelberg: Springer
- Classification
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Management
- Subject
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P2P landing
E-finance
Process model
- Event
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Geistige Schöpfung
- (who)
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Wang, Huaiqing
Chen, Kun
Zhu, Wei
Song, Zhenxia
- Event
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Veröffentlichung
- (who)
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Springer
- (where)
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Heidelberg
- (when)
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2015
- DOI
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doi:10.1186/s40854-015-0002-9
- Handle
- Last update
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10.03.2025, 11:43 AM CET
Data provider
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. If you have any questions about the object, please contact the data provider.
Object type
- Artikel
Associated
- Wang, Huaiqing
- Chen, Kun
- Zhu, Wei
- Song, Zhenxia
- Springer
Time of origin
- 2015
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The predicting power of soft information on defaults in the Chinese P2P lending market
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Borrower's default and self-disclosure of social media information in P2P lending
Empirical evidence of faulty credit scoring and business failure in P2P lending
Herding behaviour in P2P lending markets
Networking with peers: Evidence from a P2P lending platform
Die Kreditvergabe über P2P-Lending Plattformen im internationalen Privatrecht
Adverse selection in P2P lending: Does peer screening work efficiently? Empirical evidence from a P2P platform
Improving Consumer Protection for Low-Income Customers in P2P Lending
Indonesian peer to peer lending (P2P) at entrant's disruptive trajectory
How does P2P lending fit into the consumer credit market?
The predicting power of soft information on defaults in the Chinese P2P lending market
Optimal regulation of P2P lending for small and medium-sized enterprises
A predictive indicator using lender composition for loan evaluation in P2P lending
Borrower's default and self-disclosure of social media information in P2P lending