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Fintech lending : financial inclusion, risk pricing, and alternative information
Jagtiani, Julapa; Lemieux, Catharine M. - 2017
Persistent link: https://www.econbiz.de/10011689374
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Do Fintech lenders penetrate areas that are underserved by traditional banks?
Jagtiani, Julapa; Lemieux, Catharine M. - 2018
Supersedes Working Paper 17-17 Fintech has been playing an increasing role in shaping financial and banking landscapes …
Persistent link: https://www.econbiz.de/10011891828
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Peer Information in Loan Pricing
Bao, Yangming - 2020
The paper shows that peer information which banks collected from previous lending plays a role in current loan pricing. I construct peer information at the bank-firm level and find that firms obtain lower loan rates when borrowing from banks that lent to more similar peers in recent periods. The...
Persistent link: https://www.econbiz.de/10012850837
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Strategic co-funding in informal finance market : evidence from China
Li, Jianwen; Zhang, Xiaofan; Hu, Jinyan - In: Journal of applied economics 24 (2021) 1, pp. 329-349
Information asymmetry in the anonymous informal finance market drives the lenders to screen the borrowers by disclosed information. Using data from a powerful online peer-to-peer lending platform, we study the effects of formal financing records on successful funding and default outcomes in the...
Persistent link: https://www.econbiz.de/10013174229
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Financing from family and friends
Lee, Samuel; Persson, Petra - 2012
The constraint on informal finance is commonly taken to be high costs and limited supply. But the majority of informal investors - family and friends - is often willing to supply funds at negative returns, and yet many borrowers tap family and friends only as a last resort. We explain this...
Persistent link: https://www.econbiz.de/10009737925
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Peer to peer lending : a (financial stability) risk perspective
Käfer, Benjamin - 2016
traditional banking. However, it is important to recognize that a constant conclusion would be misleading. P2P platforms have … addition, we discuss that acting on P2P online platforms satisfies most possible definitions of shadow banking and shows … significant similarities with many observed aspects of shadow banking. We thus infer that P2P lending can be considered part of …
Persistent link: https://www.econbiz.de/10011458773
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COVID-19 pandemic risk and probability of loan default : evidence from marketplace lending market
Nigmonov, Asror; Shams, Syed - In: Financial innovation : FIN 7 (2021), pp. 1-28
As the COVID-19 pandemic adversely affects the financial markets, a better understanding of the lending dynamics of a successful marketplace is necessary under the conditions of financial distress. Using the loan book database of Mintos (Latvia) and employing logit regression method, we provide...
Persistent link: https://www.econbiz.de/10012705553
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The roles of alternative data and machine learning in Fintech lending : evidence from the LendingClub consumer platform
Jagtiani, Julapa; Lemieux, Catharine M. - 2018
Supersedes Working Paper 17-17. Fintech has been playing an increasing role in shaping financial and banking landscapes …. We compare loans made by a large fintech lender and similar loans that were originated through traditional banking …
Persistent link: https://www.econbiz.de/10011891843
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Funding decisions in online marketplace lending
Ip, Chris K. C.; Lam, F. Y. Eric - 2020
Persistent link: https://www.econbiz.de/10012203633
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Risks and Challenges in Individual Lending for Indian Micro-Finance Institutions
Ravi Kumar, T.V.S. - 2010
and processes that must be followed for successful implementation. This India Focus Notes (IFN) examines these issues and …
Persistent link: https://www.econbiz.de/10013147294