Assessment of Investor’s Portfolio of P2P Loans

Result code in IS VaVaI
<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F04274644%3A_____%2F17%3AN0000003" target="_blank" >RIV/04274644:_____/17:N0000003 - isvavai.cz</a>
Result on the web
<a href="http://www.vsfs.cz/periodika/acta-2017-2.pdf" target="_blank" >http://www.vsfs.cz/periodika/acta-2017-2.pdf</a>
DOI - Digital Object Identifier
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Result language
angličtina
Original language name
Assessment of Investor’s Portfolio of P2P Loans
Original language description
The aim of the paper is to evaluate the P2P loan portfolio of the company Zonky and the portfolio of structured certifi cates of P2P loans. P2P loans are a part of a new economic concept, based on people’s co-operation. In particular, the position of the investor who has fi nancial surpluses and is modelling their investment portfolio, is investigated in such a way as to achieve the optimal profi table allocation of resources. Markowitz’s portfolio concept is applied, adjusted to be compatible with various ratings for P2P loans. The paper concludes that the concept of P2P loans has a perspective. It is conditioned by the low interest rates banks apply to citizens’ deposits and the reluctance of banks to lower interest rates on credit cards and consumer and overdraft loans.
Czech name
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Czech description
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Project
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Continuities
I - Institucionalni podpora na dlouhodoby koncepcni rozvoj vyzkumne organizace

Publication year
2017
Confidentiality
S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

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