For the emerging peer-to-peer (P2P) lending markets to survive, they need to employ credit risk management practices …-of-sample framework, our approach overwhelmingly dominates standard credit scoring models that are based on labeling loans as either … significantly--almost 2.5 times--higher when using our profit scoring approach compared to the standard credit-scoring model based …

on their loans than non-disaster firms. Floods reduce securitised credit in the local markets, suggesting that physical …