Evaluating credit risk and loan performance in online Peer-to-Peer (P2P) lending

Influencing Factors on the Lending Intention of Online Peer-to-Peer Lending: Lessons from Renrendai.com

“…-84 -high-quality services, lenders get more value and feel satisfied from the new kind of finance service, in turn they have the tendency to invest in the future and build trust with the platform (Emekter et al, 2015;Wang et al, 2015). The current study argues that trust for the online P2P lending precedes its adoption and service quality has a role in influencing the initial trust processing.…”

“…The importance of trust in e-commerce has been widely discussed for many years and recently trust in the online P2P lending marketplace is also gaining more attention (Zhang et al, 2012;Bachmann et al, 2011;Wang et al, 2015;Wan et al, 2016;Emekter et al, 2015). By reviewing previous studies related with e-commerce, it found that antecedents of trust can be divided into several categories.…”

“…The higher the quality of the information, the more sincere and professional the online P2P lending platform is. In turn, these will influence the lenders' trust in the platform (Emekter et al, 2015;Wang et al, 2015). Therefore, how …”

“…Lenders, credit when considering lending money to borrowers (Emekter et al, 2015;Chen et al, 2015;Wang et al, 2015). Reputation is more important when engaging in online lending than in ''brick-and-mortar'' lending because lenders perceive higher risk (Zhou, 2011).…”

Research on the Credit Risk Assessment of Chinese Online Peer-to-peer Lending Borrower on Logistic Regression Model

“…In recent years, the scholars start to study the risk index. Emekter (2015) [10] finds that credit grade, debt-to-income ratio, FICO score and revolving line utilization play an important role in loan defaults. Mild (2015) [11] presents a decision-support-tool to support users in the estimation of risk of default.…”