For P2P lending platforms, risk control ability (i.e., the ability to accurately assess and screen borrowers to control the credit risk of…
The purpose of this paper is to provide insights into peer-to-peer (P2P) lending which has served as one important tool…
The paper investigates how friendship relationships act as pipes, prisms, and herding signals in a large online peer-to-peer lending site.…
As transaction and data hubs, e-commerce platforms are uniquely positioned to extend credit to users and have become leading players…
Berg et al. (2018) analyze the information content of the digital footprint – information that people leave online simply by accessing…
How policy uncertainty affects household credit access? Li et al. (2017) use crowdfunding data from a major peer-to-peer (P2P) crowdfunding…
Does marketplace lending (MPL) benefit its borrowers? Using comprehensive monthly credit bureau data for borrowers on a major MPL platform,…
Asymmetric information between borrowers and lenders may induce inefficiencies in credit markets, lenders can partially mitigate these inefficiencies by using…
Using detailed transactions data from a peer-to-peer lending market, Lin et al. (2018) present the first direct evidence that, when faced…
P2P lending is a burgeoning online service that allows individuals to directly borrow money from each other. In these platforms,…