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Peer to Peer Lending: Structures, Risks and Regulation

Kevin Thomas Davis

JASSA: The Finsia Journal of Applied Finance2016article
ABDC B
Weight
0.52

Abstract

In this paper we outline the key characteristics of peer-to-peer (P2P) lending, the risks involved and alternative approaches to regulating P2P platforms. We argue that P2P lending is an example of how modern technology enables the integration of a range of economic functions, including market operator, financial services provider and credit broker. This removes the basis for separate legislative treatment of financial products and credit, and existing regulatory distinctions between different types of financial service providers. Arguably, a new approach to market regulation is warranted which is more consistent with emerging institutional arrangements.

25 citations

Cite this paper

@article{kevin2016,
  title        = {{Peer to Peer Lending: Structures, Risks and Regulation}},
  author       = {Kevin Thomas Davis},
  journal      = {JASSA: The Finsia Journal of Applied Finance},
  year         = {2016},
}

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Peer to Peer Lending: Structures, Risks and Regulation

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Evidence weight

0.52

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.45 × 0.4 = 0.18
M · momentum0.80 × 0.15 = 0.12
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.