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P2P LENDING MARKET: DETERMINANTS OF INTEREST RATE AND DEFAULT RISK
Mälardalen University, School of Business, Society and Engineering.
2019 (English)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

The peer to peer (p2p) lending industry has grown fast in recent years. This study put an eye on the credit evaluation system of one of the p2p platform named lending club. The author used the empirical method and discussed the determinants of the interest rate and the default risk in the p2p lending market. The author concluded that the evaluation system founded by lending club could predict the risk of loans. Collecting more information about borrowers’ credit history may increase the accuracy of the model.

Place, publisher, year, edition, pages
2019. , p. 43
Keywords [en]
peer-to-peer lending market, information asymmetry, adverse selection
National Category
Economics
Identifiers
URN: urn:nbn:se:mdh:diva-44052OAI: oai:DiVA.org:mdh-44052DiVA, id: diva2:1324430
Subject / course
Economics
Presentation
2019-06-05, Pi, Vasteras, 16:39 (English)
Supervisors
Examiners
Available from: 2019-06-14 Created: 2019-06-13 Last updated: 2019-06-14Bibliographically approved

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CiteExportLink to record
Permanent link

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Citation style
  • apa
  • ieee
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Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
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  • asciidoc
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