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Adverse Selection in P2P Lending: Does Peer Screening Work Efficiently?—Empirical Evidence from a P2P Platform
16 references·0 citing·39 second hop
Adverse Selection in P2P Lending: Does Peer Screening Work Efficiently?—Empirical Evidence from a P2P Platform (2021)Adverse Selection in P2P Lending: Does Pe…What Determine Loan Rate and Default Status in Financial Technology Online Direct Lending? Evidence from Indonesia (2019)What Determine Loan Rate and …Online P2P Lending and Regulatory Responses in China: Opportunities and Challenges (2018)Online P2P Lending and Regula…Predicting and Deterring Default with Social Media Information in Peer-to-Peer Lending (2017)Predicting and Deterring Defa…Screening Peers Softly: Inferring the Quality of Small Borrowers (2015)Screening Peers Softly: Infer…Description-text related soft information in peer-to-peer lending – Evidence from two leading European platforms (2015)Description-text related soft…When can a photo increase credit? The impact of lender and borrower profiles on online peer-to-peer loans (2014)When can a photo increase cre…Is Crowdfunding Different? Evidence on the Relation between Gender and Funding Success from a German Peer-to-Peer Lending Platform (2014)Is Crowdfunding Different? Ev…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…What's in a Picture?: Evidence of Discrimination from Prosper.com (2011)What's in a Picture?: Evidenc…The Role of Social Capital in People-to-People Lending Marketplaces (2009)The Role of Social Capital in…Collateral, type of lender and relationship banking as determinants of credit risk (2003)Collateral, type of lender an…Credit Rationing in Markets with Imperfect Information (1981)Credit Rationing in Markets w…Job Market Signaling (1973)Job Market SignalingThe Market for "Lemons": Quality Uncertainty and the Market Mechanism (1970)The Market for "Lemons": Qual…The Role of Securities in the Optimal Allocation of Risk-bearing (1964)The Role of Securities in the…Increases in risk and in risk aversion (1974)Risk Sharing and Incentives in the Principal and Agent Relationship (1979)Corporate financing and investment decisions when firms have information that investors do not have (1984)The Benefits of Lending Relationships: Evidence from Small Business Data (1994)Financial Dependence and Growth (1996)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)Limited-dependent and qualitative variables in econometrics (1983)Law and Finance (1998)Credit risk drivers: Evaluating the contribution of firm level information and of macroeconomic dynamics (2008)Macroeconomic determinants of the credit risk in the banking system: The case of the GIPSI (2013)CORPORATE GOVERNANCE OF BANKS: A SURVEY (2015)The Economics of Discrimination (1957)Expectations and the neutrality of money (1972)Financial Intermediation and Delegated Monitoring (1984)On the Rise of FinTechs – Credit Scoring Using Digital Footprints (2018)P2P Lenders versus Banks: Cream Skimming or Bottom Fishing? (2021)FinTech Lending (2022)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)Fintech and banking: What do we know? (2019)The Economics of Crowdfunding Platforms (2015)Information: Hard and Soft (2018)Peer-to-Peer Lenders Versus Banks: Substitutes or Complements? (2018)Equilibrium in Competitive Insurance Markets: An Essay on the Economics of Imperfect Information (1976)Varieties of Capitalism (2001)Signaling Theory: A Review and Assessment (2010)The Evolution of Cooperation (1981)The Resource-Based Theory of Competitive Advantage: Implications for Strategy Formulation (1991)Taste‐Based or Statistical Discrimination: The Economics of Discrimination Returns to its Roots (2013)The Visible Hand: Race and Online Market Outcomes (2013)Digital Discrimination: The Case of Airbnb.com (2014)An intertemporal asset pricing model with stochastic consumption and investment opportunities (1979)Market Insurance, Self-Insurance, and Self-Protection (1992)Nonparametric Estimation of State‐Price Densities Implicit in Financial Asset Prices (1998)
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References

  • 1970The Market for "Lemons": Quality Uncertainty and the Market Mechanism22,977 cited
  • 1973Job Market Signaling16,329 cited
  • 1981Credit Rationing in Markets with Imperfect Information12,762 cited
  • 2012Judging Borrowers by the Company They Keep: Friendship Networks and Information Asymmetry in Online Peer-to-Peer Lending1,299 cited
  • 1964The Role of Securities in the Optimal Allocation of Risk-bearing1,172 cited
  • 2012Trust and Credit: The Role of Appearance in Peer-to-peer Lending1,066 cited
  • 2015Screening Peers Softly: Inferring the Quality of Small Borrowers623 cited
  • 2011What's in a Picture?: Evidence of Discrimination from Prosper.com492 cited
  • 2003Collateral, type of lender and relationship banking as determinants of credit risk434 cited
  • 2015Description-text related soft information in peer-to-peer lending – Evidence from two leading European platforms309 cited
  • 2014Is Crowdfunding Different? Evidence on the Relation between Gender and Funding Success from a German Peer-to-Peer Lending Platform234 cited
  • 2017Predicting and Deterring Default with Social Media Information in Peer-to-Peer Lending232 cited
  • 2014When can a photo increase credit? The impact of lender and borrower profiles on online peer-to-peer loans146 cited
  • 2018Online P2P Lending and Regulatory Responses in China: Opportunities and Challenges

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117 cited
  • 2009The Role of Social Capital in People-to-People Lending Marketplaces70 cited
  • 2019What Determine Loan Rate and Default Status in Financial Technology Online Direct Lending? Evidence from Indonesia55 cited
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