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Crowding Out Banks: Credit Substitution by Peer-To-Peer Lending
16 references·16 citing·41 second hopsampled
Crowding Out Banks: Credit Substitution by Peer-To-Peer Lending (2017)Crowding Out Banks: Credit Substitution b…The Role of Technology in Mortgage Lending (2019)The Role of Technology in Mor…Peer-to-Peer Lenders Versus Banks: Substitutes or Complements? (2018)Peer-to-Peer Lenders Versus B…Information: Hard and Soft (2018)Information: Hard and SoftHome Bias in Online Investments: An Empirical Study of an Online Crowdfunding Market (2015)Home Bias in Online Investmen…Crowdfunding: Geography, Social Networks, and the Timing of Investment Decisions (2015)Crowdfunding: Geography, Soci…Trust and Credit: The Role of Appearance in Peer-to-peer Lending (2012)Trust and Credit: The Role of…Judging Borrowers by the Company They Keep: Friendship Networks and Information Asymmetry in Online Peer-to-Peer Lending (2012)Judging Borrowers by the Comp…Distance and Private Information in Lending (2010)Distance and Private Informat…Competition and Strategic Information Acquisition in Credit Markets (2006)Competition and Strategic Inf…Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure (2002)Small Business Credit Availab…Information Production and Capital Allocation: Decentralized versus Hierarchical Firms (2002)Information Production and Ca…Does Distance Still Matter? The Information Revolution in Small Business Lending (2002)Does Distance Still Matter? T…What Do a Million Observations on Banks Say About the Transmission of Monetary Policy? (2000)What Do a Million Observation…What Drives Deregulation? Economics and Politics of the Relaxation of Bank Branching Restrictions (1999)What Drives Deregulation? Eco…The Effect of Credit Market Competition on Lending Relationships (1995)The Effect of Credit Market C…New Indexes of Coincident and Leading Economic Indicators (1989)New Indexes of Coincident and…Peer-to-peer lending: Legal loan sharking or altruistic investment? Analyzing platform investments from a credit risk perspective (2023)Peer-to-peer lending: Legal l…Fintech Lending and Credit Market Competition (2023)Fintech Lending and Credit Ma…Does alternative digital lending affect bank performance? Cross-country and bank-level evidence (2023)Does alternative digital lend…The Digital Credit Divide: Marketplace Lending and Entrepreneurship (2022)The Digital Credit Divide: Ma…Digital Disruptors at the Gate. Does FinTech Lending Affect Bank Market Power and Stability? (2022)Digital Disruptors at the Gat…The role of P2P platforms in enhancing financial inclusion in the United States: An analysis of peer‐to‐peer lending across the rural–urban divide (2021)The role of P2P platforms in …Review of Crowdfunding Regulations across Countries: A Systematic Review Study (2021)Review of Crowdfunding Regula…Invisible Primes: Fintech Lending with Alternative Data (2021)Invisible Primes: Fintech Len…Impact of marketplace lending on consumers’ future borrowing capacities and borrowing outcomes (2021)Impact of marketplace lending…Fintech, Credit Market Competition, and Bank Asset Quality (2021)Fintech, Credit Market Compet…PEER-TO-PEER LENDING PLATFORM: FROM SUBSTITUTION TO COMPLEMENTARY FOR RURAL BANKS (2020)PEER-TO-PEER LENDING PLATFORM…Determinants of Peer-to-Peer Lending Expansion: The Roles of Financial Development and Financial Literacy (2020)Determinants of Peer-to-Peer …Bank misconduct and online lending (2020)Bank misconduct and online le…Does FinTech Compete with or Complement Bank Finance? (2019)Does FinTech Compete with or …Peer-to-peer lending and real estate mortgages: evidence from United Kingdom (2018)Peer-to-peer lending and real…Do Fintech Lenders Penetrate Areas That Are Underserved by Traditional Banks? (2018)Do Fintech Lenders Penetrate …Common method biases in behavioral research: A critical review of the literature and recommended remedies. (2003)Trusting the Stock Market (2005)New Financial Alternatives in Seeding Entrepreneurship: Microfinance, Crowdfunding, and Peer–to–Peer Innovations (2014)Human Trust in Artificial Intelligence: Review of Empirical Research (2020)Determinants of corporate borrowing (1977)Credit Rationing in Markets with Imperfect Information (1981)Financial Intermediation and Delegated Monitoring (1984)Relationship Banking: What Do We Know? (2000)The great reversals: the politics of financial development in the twentieth century (2003)Insiders and Outsiders: The Choice between Informed and Arm's-Length Debt (1992)Formal and Real Authority in Organizations (1997)Home Bias at Home: Local Equity Preference in Domestic Portfolios (1999)Relationship and Transaction Lending in a Crisis (2016)Is financial inclusion good for bank stability? International evidence (2017)Corporate financing and investment decisions when firms have information that investors do not have (1984)Does function follow organizational form? Evidence from the lending practices of large and small banks (2005)Rethinking Bank Regulation: Till Angels Govern (2005)A more complete conceptual framework for SME finance (2006)The federal funds rate and the channels of monetary transmission (1989)Monetary Policy, Business Cycles, and the Behavior of Small Manufacturing Firms (1994)Inside the Black Box: The Credit Channel of Monetary Policy Transmission (1995)Liquidity and leverage (2008)Tracing the Impact of Bank Liquidity Shocks: Evidence from an Emerging Market (2008)Household Finance (2006)Fintech, regulatory arbitrage, and the rise of shadow banks (2018)Fintech and banking: What do we know? (2019)On the Rise of FinTechs: Credit Scoring Using Digital Footprints (2019)Predictably Unequal? The Effects of Machine Learning on Credit Markets (2021)The Strength of Weak Ties (1973)Economic Action and Social Structure: The Problem of Embeddedness (1985)Social Capital in the Creation of Human Capital (1988)Internal Social Capital and the Attraction of Early Contributions in Crowdfunding (2014)Personal Knowledge: Towards a Post-Critical Philosophy (1959)The Benefits of Lending Relationships: Evidence from Small Business Data (1994)Information Asymmetry and Financing Arrangements: Evidence from Syndicated Loans (2007)Markets and Hierarchies: Analysis and Antitrust Implications. (1976)Discretionary disclosure (1983)Firms, Contracts, and Financial Structure (1995)The Conditional CAPM and the Cross-Section of Expected Returns (1996)The Twin Crises: The Causes of Banking and Balance-of-Payments Problems (1999)Measuring the Output Responses to Fiscal Policy (2012)
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References

  • 1995The Effect of Credit Market Competition on Lending Relationships3,294 cited
  • 2000What Do a Million Observations on Banks Say About the Transmission of Monetary Policy?2,505 cited
  • 2002Information Production and Capital Allocation: Decentralized versus Hierarchical Firms2,426 cited
  • 2002Does Distance Still Matter? The Information Revolution in Small Business Lending2,156 cited
  • 2002Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure1,888 cited
  • 1989New Indexes of Coincident and Leading Economic Indicators1,795 cited
  • 2010Distance and Private Information in Lending1,314 cited
  • 2012Judging Borrowers by the Company They Keep: Friendship Networks and Information Asymmetry in Online Peer-to-Peer Lending1,299 cited
  • 2019The Role of Technology in Mortgage Lending1,180 cited
  • 2012Trust and Credit: The Role of Appearance in Peer-to-peer Lending1,066 cited
  • 2015Crowdfunding: Geography, Social Networks, and the Timing of Investment Decisions1,020 cited
  • 1999What Drives Deregulation? Economics and Politics of the Relaxation of Bank Branching Restrictions863 cited
  • 2018Information: Hard and Soft787 cited
  • 2006Competition and Strategic Information Acquisition in Credit Markets766 cited

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  • 2015Home Bias in Online Investments: An Empirical Study of an Online Crowdfunding Market681 cited
  • 2018Peer-to-Peer Lenders Versus Banks: Substitutes or Complements?665 cited
  • Cited by

    • 2019Does FinTech Compete with or Complement Bank Finance?65 cited
    • 2021The role of P2P platforms in enhancing financial inclusion in the United States: An analysis of peer‐to‐peer lending across the rural–urban divide62 cited
    • 2021Impact of marketplace lending on consumers’ future borrowing capacities and borrowing outcomes61 cited
    • 2020Bank misconduct and online lending54 cited
    • 2022The Digital Credit Divide: Marketplace Lending and Entrepreneurship50 cited
    • 2022Digital Disruptors at the Gate. Does FinTech Lending Affect Bank Market Power and Stability?50 cited
    • 2018Do Fintech Lenders Penetrate Areas That Are Underserved by Traditional Banks?45 cited
    • 2021Invisible Primes: Fintech Lending with Alternative Data39 cited
    • 2023Does alternative digital lending affect bank performance? Cross-country and bank-level evidence38 cited
    • 2021Fintech, Credit Market Competition, and Bank Asset Quality37 cited
    • 2020PEER-TO-PEER LENDING PLATFORM: FROM SUBSTITUTION TO COMPLEMENTARY FOR RURAL BANKS36 cited
    • 2020Determinants of Peer-to-Peer Lending Expansion: The Roles of Financial Development and Financial Literacy28 cited
    • 2023Fintech Lending and Credit Market Competition23 cited
    • 2023Peer-to-peer lending: Legal loan sharking or altruistic investment? Analyzing platform investments from a credit risk perspective23 cited
    • 2021Review of Crowdfunding Regulations across Countries: A Systematic Review Study21 cited
    • 2018Peer-to-peer lending and real estate mortgages: evidence from United Kingdom20 cited