Determinants of Default in P2P Lending
Carlos Serrano‐Cinca; Begoña Gutiérrez Nieto; Luz López-Palacios · 2015 · PLoS ONE
WASTE classifies this as Negative / Null Result Report · AI classification, approximate
The study found no significant effect — useful as a negative control or null benchmark for your own design.
Abstract
This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites provide potential lenders with information about borrowers and their loan purpose. They also assign a grade to each loan. The empirical study is based on loans' data collected from Lending Club (N = 24,
Abstract by Carlos Serrano‐Cinca; Begoña Gutiérrez Nieto; Luz López-Palacios, PLoS ONE (2015) — licensed CC BY 4.0.
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Metadata source: OpenAlex · DOI 10.1371/journal.pone.0139427