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. Our results show that finance companies and FinTech lenders are major suppliers of credit to small businesses and played …We document that finance companies and FinTech Lenders increased lending to small businesses after the 2008 financial … larger market share before the crisis, finance companies and FinTech lenders increased their lending more. By 2016, the …
Persistent link: https://www.econbiz.de/10012834210
FinTech servicers have gr ... …
Persistent link: https://www.econbiz.de/10012910771
We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer … businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their …-to-Business platform for which we have the universe of loan applications. We find that FinTech serves high quality and creditworthy small …
Persistent link: https://www.econbiz.de/10012818733
Marketplace lending platforms select which investors will have the opportunity to fund loans. Platforms claim to fairly allocate loans between retail and institutional investors, but we provide evidence that contradicts this claim. Institutional investors are allocated loans with lower default...
Persistent link: https://www.econbiz.de/10012850948
already have access to bank credit. Firms access FinTech to obtain long-term unsecured loans and reduce their exposure to …We examine the effects of FinTech lending on firm policies using proprietary data on loan applications and loans … granted from a peer-to-business platform. We find that FinTech serves high quality and creditworthy small businesses who …
Persistent link: https://www.econbiz.de/10014238723
We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer … businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their …-to-Business platform for which we have the universe of loan applications. We find that FinTech serves high quality and creditworthy small …
Persistent link: https://www.econbiz.de/10013302730
already have access to bank credit. Firms access FinTech to obtain long-term unsecured loans and reduce their exposure to …We examine the effects of FinTech lending on firm policies using proprietary data on loan applications and loans … granted from a peer-to-business platform. We find that FinTech serves high-quality and creditworthy small businesses who …
Persistent link: https://www.econbiz.de/10013492241
The purpose of this study is to examine the effect of P2P lending on bank credit in each type/segment of banking credit … consisting of working capital credit, investment credit, and consumer credit in the period before and during the occurrence of … turned to be complementary during the pandemic, it might be due to P2P lending flexibility complementing the bank credit …
Persistent link: https://www.econbiz.de/10015046034
Research subject of this paper is the credit transmission mechanism in the Republic of Macedonia or in other words this …. The credit transmission is analyzed through its narrow nature or so called bank lending channel. In order to explain how … first one is the traditional bank lending channel explained by Bernanke and Blinder model and the second one is the credit …
Persistent link: https://www.econbiz.de/10011852881
In this paper, we investigate to what extent sovereign stress and banking stress have contributed to the increase in the level and in the heterogeneity of nonfinancial firms' financing costs in the Euro area during the European debt crisis and how both have affected the monetary transmission...
Persistent link: https://www.econbiz.de/10011787375