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Is there an effective reputation mechanism in peer-to-peer lending? Evidence from China

January 16, 2020 ESRC-NSFC P2P Lending In China 242 Comments

Employing around 178,000 borrowing listings in a Chinese online peer-to-peer platform, Ding et al. (2019) examine whether there is an…

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Posted in: Academic Journal

Conference “Fintect and Shadowbanking in China”

December 1, 2019 ESRC-NSFC P2P Lending In China 142 Comments

A two day conference `Fintect and Shadowbanking in China’, organized by Professor Mustafa Caglayan at Heriot Watt University, was held…

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Posted in: Academic Journal

Social collateral, soft information and online peer-to-peer lending: A theoretical model

ESRC-NSFC P2P Lending In China 2,938 Comments

Online Peer-to-Peer lending has emerged as an attractive credit markets for small borrowers who have limited access to traditional credit…

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Posted in: Academic Journal

Loan default prediction by combining soft information extracted from descriptive text in online peer-to-peer lending

September 17, 2019 ESRC-NSFC P2P Lending In China 3 Comments

Predicting whether a borrower will default on a loan is of significant concern to platforms and investors in online P2P…

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Posted in: Academic Journal

The role of appearance attractiveness and loan amount in peer-to-peer lending: Evidence from event-related potentials

August 23, 2019 ESRC-NSFC P2P Lending In China 10 Comments

In contrast to traditional lending, in peer-to-peer lending, lenders must evaluate the risk of the loan application themselves with limited…

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Posted in: Academic Journal

Peer-to-Peer Lenders Versus Banks: Substitutes or Complements?

June 28, 2019 ESRC-NSFC P2P Lending In China Leave a comment

This paper studies whether, in the consumer credit market, peer-to-peer lending platforms serve as substitutes for banks or instead as…

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Posted in: Academic Journal

Platform Competition in Peer-to-Peer Lending Considering Risk Control Ability

May 18, 2019 ESRC-NSFC P2P Lending In China 2 Comments

For P2P lending platforms, risk control ability (i.e., the ability to accurately assess and screen borrowers to control the credit risk of…

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Posted in: Academic Journal

Competition against common sense: Insights on peer-to-peer lending as a tool to allay financial exclusion

April 8, 2019 ESRC-NSFC P2P Lending In China 1 Comment

The purpose of this paper is to provide insights into peer-to-peer (P2P) lending which has served as one important tool…

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Posted in: Academic Journal

Friendships in online peer-to-peer lending: pipes, prisms, and relational herding

March 7, 2019 ESRC-NSFC P2P Lending In China 12 Comments

The paper investigates how friendship relationships act as pipes, prisms, and herding signals in a large online peer-to-peer lending site.…

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Posted in: Academic Journal

Platform Credit and E-Commerce Market Structure

December 8, 2018 ESRC-NSFC P2P Lending In China 1 Comment

As transaction and data hubs, e-commerce platforms are uniquely positioned to extend credit to users and have become leading players…

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Posted in: Academic Journal

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Recent Posts

  • Is there an effective reputation mechanism in peer-to-peer lending? Evidence from China
  • Conference “Fintect and Shadowbanking in China”
  • Social collateral, soft information and online peer-to-peer lending: A theoretical model
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