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credit grades with a view to reducing the information asymmetry. By analysing 306,439 matured loans funded on the online peer …-to-peer lending platform ‘Lending Club’, this study suggests that the platform-assigned credit grade is the most significant … determinant of loan performance. In addition, loan amount, debt-to-income ratio, annual income, open credit lines, total credit …
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relationship between the operation of these platforms and credit risk, the behaviour of consumers in making loan decisions differs …
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