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Zoltan Legradi

Do Social Networks Solve Information Problems for Peer-to-Peer Lending? Evidence from P... - 0 views

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    This paper studies peer-to-peer (p2p) lending on the Internet. Prosper.com, the first p2p lending website in the US, matches individual lenders and borrowers for unsecured consumer loans. Using transaction data from June 1, 2006 to July 31, 2008, we examine what information problems exist on Prosper and whether social networks help alleviate the information problems. As we expect, data identifies three information problems on Prosper.com. First, Prosper lenders face extra adverse selection because they observe categories of credit grades rather than the actual credit scores. This selection is partially offset when Prosper posts more detailed credit information on the website. Second, many Prosper lenders have made mistakes in loan selection but they learn vigorously over time. Third, as Stiglitz and Weiss (1981) predict, a higher interest rate can imply lower rate of return because higher interest attracts lower quality borrowers. Micro-finance theories argue that social networks may identify good risks either because friends and colleagues observe the intrinsic type of borrowers ex ante or because the monitoring within social networks provides a stronger incentive to pay off loans ex post.
Gábor Nyeste

Comcast Does About-Face: Declares Love for P2P | Epicenter from Wired.com - 0 views

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    Comcast Does About-Face: Declares Love for P2P | Epicenter from Wired.com
Soma Bodonyi

File Sharing Is Hard Habit to Break | Epicenter from Wired.com - 0 views

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    A p2p fájlcserélő hálózatokat használók motivációjáról
Zoltan Legradi

Get a Personal Loan at a Great Rate! - Apply Online Today - Prosper - 0 views

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    Request a loan for up to $25,000 and set the interest rate you're willing to pay! Get a personal loan through Prosper.com - the Online P2P lending marketplace
Soma Bodonyi

Bangkok's Independent Newspaper - 0 views

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    A p2p technológiák hatása a társadalomra
Soma Bodonyi

Grid Economics - CommerceNet Wiki - 0 views

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    A p2p hálózatok "gazdaságáról"
Dániel Füleki

Bibliography - P2P-Book Portal - 0 views

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    Csomó irodalom p2p-seknek
anonymous

Index - Tömegnyomor a virtuális világokban - 0 views

    • anonymous
       
      Csalásnak ad teret, hiszen a játékos képes lehet a gépén átmenő információkba belelátni, illetve megváltoztatni.
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    p2p technológia MMOG-kben
Gábor Szöllősi

P2P.lap.hu - 0 views

shared by Gábor Szöllősi on 25 Jan 09 - Cached
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    Minden egy helyen!!! Fórumok, leírások, stb!!!!
Dániel Füleki

Peer-to-peer: Harnessing the ... - Google Book Search - 0 views

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    egy régebbi könyv p2p-ről
Gábor Szöllősi

P2P File Sharing Programs - Free File Sharing Software - 0 views

    • Gábor Szöllősi
       
      a top 10 P2P rendszer, én nem hittem volna, h pont ezek lesznek:)
    • Gábor Szöllősi
       
      Kb a Winmx, meg a Kazaa, meg Bittorent amit tényleg használtam...
Soma Bodonyi

P2P, Online File-Sharing, and the Music Industry - 0 views

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    A fájlmegosztás hatása a zeneiparra
Soma Bodonyi

Mindjack - Piracy is Good? How Battlestar Galactica Killed Broadcast TV - 0 views

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    Miért (lenne) jó a fájlcsere a tartalom-előállítóknak
Zoltan Legradi

noba blog - 0 views

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    noba.hu közösségi kölcsön blog
Zoltan Legradi

Webisztán - Hitelezőszájt egy ex-iwiwestől - 0 views

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    web 2.0 tech blog
Zoltan Legradi

Zopa - Loans from people not banks - 0 views

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    Zopa is a lending and borrowing exchange where real people sidestep the banks to get a better deal. Borrowers get a great rate and flexible terms, lenders get a great return and can control who their money is lent to. There's no crunch here!
Zoltan Legradi

noba.hu - Közösségi kölcsön - 0 views

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    Baráti kölcsönök méltányos feltételekkel - noba.hu közösségi, baráti kölcsön
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