Social Lending and its Risks

Result code in IS VaVaI
<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F00216224%3A14560%2F16%3A00091155" target="_blank" >RIV/00216224:14560/16:00091155 - isvavai.cz</a>
Result on the web
<a href="http://www.sciencedirect.com/science/journal/18770428/220/supp/C" target="_blank" >http://www.sciencedirect.com/science/journal/18770428/220/supp/C</a>
DOI - Digital Object Identifier
<a href="http://dx.doi.org/10.1016/j.sbspro.2016.05.506" target="_blank" >10.1016/j.sbspro.2016.05.506</a>

Result language
angličtina
Original language name
Social Lending and its Risks
Original language description
Czech companies discover alternative non-banking financing of their business. Social lending known as peer to peer (P2P) financing has started to appear on the Czech market. P2P lending is a new platform of financial transactions that bypasses traditional intermediaries by directly connecting borrower and lenders. But there is an information asymmetry between lenders and borrowers to which online P2P lending platforms have to face. As many loans are not secured by collateral, the assessment of the borrower´s creditworthiness is very important. The aim of this article is to define risks of investments to P2P loans and propose the elimination of these risks. We went through studies focused on default of corporate entities which were done in different countries and selected some of them. We have chosen these studies because their research is focused not only on financial indicators assessment but also on non-financial indicators assessment and use econometric models to measure probability of default.
Czech name
—
Czech description
—

Publication year
2016
Confidentiality
S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Article name in the collection
19th International Conference Enterprise and Competitive Environment 2016, ECE 2016
ISBN
—
ISSN
1877-0428
e-ISSN
—
Number of pages
8
Pages from-to
330-337
Publisher name
Mendel University in Brno
Place of publication
Brno
Event location
Brno
Event date
Jan 1, 2016
Type of event by nationality
WRD - Celosvětová akce
UT code for WoS article
000386948700039

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