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The Winner's Curse in an Online Lending Market

Carmichael, Don - 2017

Using data from Lending Club and Prosper, the two largest peer-to-peer lenders in the U.S., we provide evidence of the winner's curse in the online personal lending market. Borrowers who were rejected by a competitor are twice as likely to default as borrowers who were not rejected, conditional...

Persistent link: https://www.econbiz.de/10012961324

To lend is to own : a game theoretic analysis of the e-book lending market

Chen, Li; King, Ruth C. - In: International journal of electronic commerce : IJEC 21 (2016/2017) 3, pp. 334-362

Persistent link: https://www.econbiz.de/10011737270

What's in a 'Username'? The Effect of Online Anonymity on Herding in Peer-to-Peer Lending

Jiang, Yang - 2020

This research examines the role of online anonymity in shaping herding behavior in peer-to-peer (P2P) lending markets. Drawing on theories from social psychology literature, we argue that a lender forms different credibility perceptions toward preceding peers per their anonymity status, and then...

Persistent link: https://www.econbiz.de/10012848378

Group membership, relationship banking and loan default risk : the case of online social lending

Everett, Craig R. - In: Banking and finance review 7 (2015) 2, pp. 15-54

Persistent link: https://www.econbiz.de/10011443827

Internet Start-Ups Access to the Bank Loan Market : Evidence from Italy

Grilli, Luca - 2009

The purpose of this study is to test various theses on the banking industry's ability to help launch Internet …-based startups in Italy and to identify the factors that facilitate Internet startup founders' access to the bank loan market … model that relates the amount of bank debt accrued by Internet startups to a set of regressors that includes measures of …

Persistent link: https://www.econbiz.de/10014201392