Do Fintech Lenders Fill the Credit Gap? Evidence from Local Mortgage Demand Shocks

Allen, Linda; Shan, Yu; Shen, Yao

doi:10.2139/ssrn.3625325

Cited by 2 publications

(2 citation statements)

References 22 publications

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“…In vast rural areas, through the use in the collateral of poultry, livestock, and other economic analysis, a new way of guarantee financing has begun to arise (Da, 2019;Gao et al, 2019;Zhang et al, 2019). In this way, the problem of farmers' lack of funds and impact on productiveness can be effectively solved, and moving resources can be fully utilized to solve severe issues (Allen et al, 2019;Sun, 2019).The land mortgage right is the system in which the power of contractual land government is ensured as the creditor's right by the land contractual right holder (Tong & Xiao, 2019). To activate rural capital, improve rural assets' collateral property, and play agricultural land ownership rights capital role (Dhote et al, 2019).…”

Section: Introduction Of Mortgage Supply-demand Of Rural Land In Guangdong Provincementioning

confidence: 99%

RETRACTED ARTICLE: Application of active remote sensing in confirmation rights and identification of mortgage supply-demand subjects of rural land in Guangdong Province

Samuel

et al. 2020

European Journal of Remote Sensing

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In recent years, the remote sensing data plays an increasingly significant role in Land use prediction modeling. The effects of land conversion and agricultural bio production are evaluated using remote sensing and economic analysis. It is impossible to over-emphasize the advantages of the vibrant, efficient hybrid mortgage market in Guangdong as it is inseparably linked to economic development. This paper explores specifically the main variables affecting residential mortgage demand and other restrictions on households' use of a mortgage using the Fuzzy Systematic Evaluation System (FSES). Furthermore, this objective has been accomplished by examining and analyzing the available mortgage products in Guandong through questionnaire survey responses. In addition, the high-interest rates, low income, and house prices result in high and unreasonable repayment-to-earnings mortgages ratios. Moreover, the cumulative effect of this is to make households on low and mid-income prices to the mortgage market. While higher house prices are found in this study to increase mortgage demand, they trigger banks to offer fewer and charge higher rates, particularly after the boom, and especially for highly leveraged households.

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Section: Introduction Of Mortgage Supply-demand Of Rural Land In Guangdong Provincementioning

confidence: 99%

RETRACTED ARTICLE: Application of active remote sensing in confirmation rights and identification of mortgage supply-demand subjects of rural land in Guangdong Province

Samuel

et al. 2020

European Journal of Remote Sensing

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show abstract

“…As mentioned, the FinTech phenomena began at the same time. There is now a growing literature on alternative P2P lenders (e.g., Cornaggia et al 2018;Buchak et al 2018;Tang 2019;Fuster et al 2019;Allen et al 2019;Hughes et al 2022;De Roure et al 2022). They all suggest P2P FinTechs' are becoming an alternative source of lending to traditional banks.…”

Section: Small Businesses Lending and The Role Of Innovative Sources ...mentioning

confidence: 99%

Regulatory constraint and small business lending: do innovative peer-to-peer lenders have an advantage?

Hamarat

Broby²

2022

Financ Innov

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This paper investigates whether innovative Peer-to-Peer lending by FinTechs’ has a regulatory advantage over the big banks in respect of small business lending. We do this through the lens of the regulations imposed by the Dodd-Frank Act, using a difference-in-difference methodology. The Act tightened traditional bank credit standards on business loans, especially for small firms. However, the new FinTech lenders were not subject to the same regulatory burden. We find that traditional banks significantly reduced their lending to small businesses, as compared to their FinTech competitors. Our results suggest that while the Dodd-Frank Act constrained lending to small businesses, innovative new lending models gained a regulatory advantage and the Peer-to-Peer lenders capitalized on this.

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Do Fintech Lenders Fill the Credit Gap? Evidence from Local Mortgage Demand Shocks

Cited by 2 publications

References 22 publications

RETRACTED ARTICLE: Application of active remote sensing in confirmation rights and identification of mortgage supply-demand subjects of rural land in Guangdong Province

RETRACTED ARTICLE: Application of active remote sensing in confirmation rights and identification of mortgage supply-demand subjects of rural land in Guangdong Province

Regulatory constraint and small business lending: do innovative peer-to-peer lenders have an advantage?

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