Who can get money? Evidence from the Chinese peer-to-peer lending platform
Sign Up to like & getrecommendations! Published in 2017 at "Information Systems Frontiers"
DOI: 10.1007/s10796-017-9751-5
Abstract: This paper explores how borrowers’ financial and personal information, loan characteristics and lending models affect peer-to-peer (P2P) loan funding outcomes. Using a large sample of listings from one of the largest Chinese online P2P lending… read more here.
Keywords: get money; peer peer; lending platform; lending ... See more keywords
ECB’s unconventional monetary policy and bank lending supply and performance in the euro area
Sign Up to like & getrecommendations! Published in 2019 at "Journal of Economics and Finance"
DOI: 10.1007/s12197-019-09503-6
Abstract: This paper examines the impact of the European Central Bank’s unconventional monetary policy (UMP) on bank lending supply and performance in the euro area, through comparing the evolution of bank-specific variables before and after the… read more here.
Keywords: unconventional monetary; performance euro; bank; lending ... See more keywords
Brexit and the contraction of syndicated lending
Sign Up to like & getrecommendations! Published in 2021 at "Journal of Financial Economics"
DOI: 10.1016/j.jfineco.2021.03.009
Abstract: Abstract We document a 24% decline in loan issuances in the UK syndicated loan market after the Brexit vote relative to a set of comparable loan markets. The decline in lending is driven by a… read more here.
Keywords: syndicated lending; brexit contraction; lending; loan ... See more keywords
Does Islamic banking offer a natural hedge for business cycles? Evidence from a dual banking system
Sign Up to like & getrecommendations! Published in 2018 at "Journal of Financial Stability"
DOI: 10.1016/j.jfs.2018.02.005
Abstract: We examine the lending patterns in the Turkish Islamic banking over business cycles. We find that, similar to conventional banks, Islamic banks in Turkey exhibit procyclical lending pattern. We also find that Islamic bank lending… read more here.
Keywords: business cycles; islamic banking; banking; lending ... See more keywords
Basel III and bank-lending: Evidence from the United States and Europe
Sign Up to like & getrecommendations! Published in 2018 at "Journal of Financial Stability"
DOI: 10.1016/j.jfs.2018.08.002
Abstract: Using data on bank holding companies in the United States and Europe, this paper analyses the impact of capital and liquidity on bank-lending-growth following the 2008 financial crisis, and the new measures inspired by the… read more here.
Keywords: basel iii; united states; states europe; bank ... See more keywords
Lending effects of the ECB’s asset purchases
Sign Up to like & getrecommendations! Published in 2020 at "Journal of Monetary Economics"
DOI: 10.1016/j.jmoneco.2019.08.019
Abstract: Abstract Between 2010 and 2012, the European Central Bank absorbed €218 billion worth of government securities from five EMU countries under the Securities Markets Programme (SMP). Detailed security holdings data at the bank level affirms… read more here.
Keywords: ecb asset; effects ecb; asset purchases; lending effects ... See more keywords
Reputations in mixed-role markets: A theory and an experimental test.
Sign Up to like & getrecommendations! Published in 2020 at "Social science research"
DOI: 10.1016/j.ssresearch.2019.102366
Abstract: The traditional understanding of reputation systems is that they secure trust between strangers by publicly calling out cheaters. In modern, online markets, it is increasingly common for providers of a good to also act as… read more here.
Keywords: role markets; reputations mixed; mixed role; markets theory ... See more keywords
Moral hazard in online peer-to-peer lending
Sign Up to like & getrecommendations! Published in 2024 at "Applied Economics"
DOI: 10.1080/00036846.2024.2364933
Abstract: ABSTRACT Does the shift towards reintermediation in the peer-to-peer (P2P) lending industry increase the market’s vulnerability to moral hazard by the platform? To address this question, we develop a model where the crowdfunding platform screens… read more here.
Keywords: lending; moral hazard; hazard online; peer peer ... See more keywords
Planning for Fund Seekers’ Deception in Peer-to-Peer Lending
Sign Up to like & getrecommendations! Published in 2024 at "Journal of Economic Issues"
DOI: 10.1080/00213624.2024.2382048
Abstract: Abstract This article examines the likelihood of deception on the part of borrowers wishing to obtain credit from institutional or private lenders in Peer-to-Peer lending set-ups. In our first study, we identify five explanatory variables… read more here.
Keywords: lending; peer lending; peer peer; fund seekers ... See more keywords
Switching from Group Lending to Individual Lending: The Experience at China’s Largest Microfinance Institution
Sign Up to like & getrecommendations! Published in 2019 at "Emerging Markets Finance and Trade"
DOI: 10.1080/1540496x.2019.1636228
Abstract: ABSTRACT We analyze group and individual lending using data from 26,579 loan-specific observations in 2014–2016 for CFPA Microfinance, China’s largest microfinance institution (MFI). We show that MFIs in China have converted a large share of… read more here.
Keywords: individual lending; largest microfinance; lending; group ... See more keywords
Alipay’s ‘Ant Credit Pay’ meets China’s factory workers: the depersonalisation and re-personalisation of online lending
Sign Up to like & getrecommendations! Published in 2020 at "Journal of Cultural Economy"
DOI: 10.1080/17530350.2020.1763424
Abstract: ABSTRACT Scholarly accounts of the global rise of statistical credit scoring technologies have tended to portray these automated, digitised systems as supplanting human involvement in lending. This paper examines Chinese migrant factory workers’ encounters with… read more here.
Keywords: ant credit; credit; credit pay; factory workers ... See more keywords