Group items tagged

peer to peer magyarul

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.

egy régebbi könyv p2p-ről

As traditional sources such as banks and government agencies pull back, peer-to-peer lending is entering the student loan market.

Not only did the subprime meltdown almost send our financial system into cardiac arrest, but it also happened to show that racism is alive and doing just fine.

The Pirate Bay Tops 20 Million Peers | TorrentFreak

Csomó irodalom p2p-seknek

Fájlcserélés angol leírás angolul