This paper explores default in the FinTech marketplace lending market using a dataset of both extensive credit and soft … conditions play a role in consumer default and should be taken into consideration when assessing credit risk. I show that lenders … operating in this market increasingly focus on subprime borrowers, whose default rates are more sensitive to macro and regional …

credit register from Spain, with the time of a loan application and its granting. When VIX is lower (booms), banks shorten …

exhibit a substantially higher likelihood to default, particularly in the first 100 days after a violation. Our results … warning signal for a severe deterioration of borrower credit quality …

relationships predicts commercial loan default by industrial firms. We find that the bank's relationship information is … significantly linked to the incidence of default, and that its contribution to prediction accuracy is larger than any hard …