Risk Analysis of P2P Lending Platforms Based on Fuzzy AHP

Li, Rui; Lei, Jianzhong; Tan, Li

doi:10.1007/978-981-15-2568-1_142

Cited by 2 publications

(2 citation statements)

References 6 publications

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“…To achieve the possibility of comparing the results of calculations, the creditworthiness indicators should be expressed in the same values. It can be done by carrying out calculations based on the data of financial statements (Statement of Financial Position and Statement of Comprehensive Income; Li et al, 2020). The indicators selected for assessing the creditworthiness of financial institutions should provide a comprehensive description of the financial condition, covering all components and areas of their activities (Natocheeva & Belyanchikova, 2018).…”

Section: Introductionmentioning

confidence: 99%

Retracted: Internal procedures of the risk‐oriented lending process in the bank

Ushanov

2022

Risk Manage Insurance Review

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Information about the financial condition of financial institutions is the basis for assessing the risk of their lending. In the conditions of economic instability, the validity and effectiveness of management decisions significantly depend on the quality of financial and analytical calculations. To take into account, the specifics of the activities of various types of financial institutions when assessing the risk of their lending, the author put forward a hypothesis about the advisability of clarifying the composition of indicators used to assess the creditworthiness of borrowers. The analysis of the creditworthiness of financial companies and credit unions has been carried out. It was found that, during 2020–2021, no financial institution had the highest creditworthiness; at the same time, financial companies were more capable of meeting loan obligations than credit unions. A system of quantitative and qualitative indicators has been formed using correlation and factor analysis to assess the risk of lending to the activities of financial companies and credit unions. Certain indicators are suitable for integral assessment, and, therefore, create the basis for improving the methodological approach to assessing the risk of lending to financial institutions.

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Section: Introductionmentioning

confidence: 99%

Retracted: Internal procedures of the risk‐oriented lending process in the bank

Ushanov

2022

Risk Manage Insurance Review

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“…In addition, according to the NCA, P2P lenders are the second biggest target for fraudsters after payment service providers (Gaw, 2021). Some main reasons leading to money laundering risks on P2P platforms are the anonymity associated with online financial services and the lack of regulation of these relatively new types of financial services (Li et al , 2019). For example, criminals can avoid triggering AML safeguards by disguising their identity and applying for loans or sending money online for crowdfunding initiatives (Rajbhandari, 2022).…”

Section: Literature Reviewmentioning

confidence: 99%

Compliance concerns in sustainable finance: an analysis of peer-to-peer (P2P) lending platforms and sustainability

Teichmann¹,

Boticiu²,

Sergi

2023

JFC

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Purpose This study aims to analyze the relationship between financial sustainability and peer-to-peer (P2P) lending platforms. Design/methodology/approach To do so, an extensive literature review on sustainability, FinTech, P2P lending and their associated risks was conducted using a fundamentally theoretical and descriptive methodology. Findings In addition, this study shows that finance can accelerate the transition to a low-carbon circular economy by allocating investments in sustainable projects and businesses. Moreover, FinTech P2P lending platforms can help to vitalize green digital finance by using the internet and information technology in the lending market. Nevertheless, anonymous lending and borrowing ventures can produce potential risks such as money laundering, terrorist financing, fraud risk and information asymmetry. Originality/value Sustainable finance remains an emerging and relevant area; however, the literature has not sufficiently addressed compliance concerns. To address this gap, this study aims to contribute to the literature by analyzing the link between sustainable finance and P2P platforms and drawing attention to the compliance risks listed above.

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Risk Analysis of P2P Lending Platforms Based on Fuzzy AHP

Cited by 2 publications

References 6 publications

Retracted: Internal procedures of the risk‐oriented lending process in the bank

Retracted: Internal procedures of the risk‐oriented lending process in the bank

Compliance concerns in sustainable finance: an analysis of peer-to-peer (P2P) lending platforms and sustainability

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