Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
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Showing 1 to 17 of 17 for “"P2P Lending"”.
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Data-driven Investment Decisions in P2P Lending: Strategies of Integrating Credit Scoring and Profit Scoring
… guide the investment decisions for peer-to-peer (P2P) lending. In evaluating loans, credit scoring and profit scoring are the two widely utilized approaches. Credit scoring aims at minimizing the risk while profit scoring aims at maximizing the profit. This dissertation addresses the strengths and …
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Analysis and assessment of credit rating model in P2P lending : an instrument to solve information asymmetry between lenders and borrowers
Since the establishment of the first P2P lending platform in 2005, P2P lending industry has been nibbling the market share of traditional consumer credit. In 2014, Lending Club and Prosper originated over 7 billion personal loans. As one of the biggest traditional banks in the U.S., Citi issued …
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Improved Peer-to-Peer Lending Credit Scoring Mechanism using Machine Learning Techniques
Peer-to-Peer(P2P) financing is a fast developing modern financial exchange network, which bypasses conventional intermediaries by linking lenders and borrowers directly. However, the online P2P lending platforms are faced with a problem of information asymmetry between lenders and borrowers. …
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Regulating Fintech Based Peer-To-Peer Lending: A New Approach to SME Financing
Peer-to-peer (P2P) lending enables borrowers to obtain loans directly from lenders, without the need of a financial institution as an intermediary. The rising use of financial technology has increased the global adoption of P2P lending as an alternative to traditional unsecured lending. In …
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Essays on Peer to Peer Lending
The Peer-to-Peer (P2P) lending model has become increasingly popular in China in recent years. In 2012, there are only 298 P2P platforms operating in China and loan volume is 22.9 billion RMB while in the first half of 2018, there are 1881 P2P platforms and trading volume has reached 7.33 trillion …
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Three Essays on the Economic Impact of FinTech Lending
… economic and capital market impacts of FinTech lending. In specific, this dissertation explores the influence of FinTech penetration on traditional banks’ risk-taking, the influence of non-traditional information on lending discrimination in P2P lending, and whether digital inclusion is a …
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Vartojimo kredito dinamika ir analizė Lietuvoje /
… correlated with GDP growth, while peer-to-peer (P2P) lending platforms are correlated with GDP growth, unemployment, wage growth, and infliation. No correlation with the Euribor interest rate was found for either the consumer credit market or P2P lending platforms. In conclusions and …
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Essays on peer-to-peer lending
… consists of three chapters on the peer-to-peer (P2P) lending market. All three chapters are based on data from the same U.S.-based P2P lending online platform, LendingClub. In Chapter 1, I study the funding rate of loans in the primary market. I use a large dataset of LendingClub's daily primary …
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Three Essays on Sustainable Finance and Behavioral Insights: Exploring Sustainability, Inclusion, and Decision-Making Dynamics
… paper explores the dynamics of peer-to-peer (P2P) lending platforms during the COVID-19 pandemic, assessing how they balance financial inclusion with their profit-driven nature. The research highlights a flight to quality phenomenon during times of crisis, as well as the platforms’ evolving …
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What Text Information Helps to Reduce Default Risk
… loan default in the context of peer-to-peer (P2P) lending, with a particular focus on the integration of voluntarily provided text data alongside traditional financial, demographic, and loan information. Using a dataset of over 296,000 borrowers from the Lending Club platform, this research …
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Machine Learning for Credit Default Risk
… second essay, we utilise a unique peer-to-peer (P2P) loan dataset to compare different machine learning approaches to predicting loan default over 2017-2021, a period that covers the Covid crisis. We find that P2P loan default factors appear stable over time, with total borrowing and account age …