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Post by rstrade on Nov 9, 2016 22:26:42 GMT
Hello everyone!
I'm a student conducting research on the P2P market and would really appreciate the thoughts of this community:
Investing:
1) What are the best P2P paltforms for investing funds?
2) Are there any mobile platforms available?
3) How does it actually work? Does the P2P company issue the loan and then sell it as an asset-backed security to the investor or the borrower receives funds only after the investors have accumulated enough funds?
Borrowing:
1) What methods of credit scoring is used by P2P companies to evaluate borrowers?
2) Which regions have the highest demand for non-bank loans?
3) What are the biggest obstacles for P2P company expansion?
I really appreciate your input!
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Post by wiseclerk on Nov 9, 2016 23:43:51 GMT
Hi. Lots of questions.
I
re 1) depends on the level of risk you are prepared to take and the yields you aim for
re 2) some platforms can be used via mobile phone. I don't believe there are any that are dedicated as mobile only
re 3) varies by platform; both types exist
B
re 1) usually established external providers of credit scores together with internal criteria
re 2) UK (at least in terms of demand that is already captured by p2p lending marketplaces)
re 3) borrower demand; regulation; marketing costs
You will find more (detailed) input by reading my blog
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Post by rstrade on Nov 10, 2016 13:07:21 GMT
Thanks.
I will have a read through your log, but maybe I could receive some examples.
I
1) example platform from high risk and low risk
2) can you name a company which has a mobile platform
3) can you indicate one company from each type
B
1) can you name an example of such company
Thank you so much
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shimself
Member of DD Central
Posts: 2,563 
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Post by shimself on Nov 10, 2016 13:27:36 GMT
Thanks. I will have a read through your log, but maybe I could receive some examples. I 1) example platform from high risk and low risk 2) can you name a company which has a mobile platform 3) can you indicate one company from each type B 1) can you name an example of such company Thank you so much I rebs and wellesley thincats mobile friendly website, can't think of an app lendingsecure thincats wiseclerk's site has a long list of platforms with data - now get to workQ
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Post by easteregg on Nov 10, 2016 13:49:09 GMT
Hello everyone! I'm a student conducting research on the P2P market and would really appreciate the thoughts of this community: Investing: 1) What are the best P2P paltforms for investing funds? 2) Are there any mobile platforms available? 3) How does it actually work? Does the P2P company issue the loan and then sell it as an asset-backed security to the investor or the borrower receives funds only after the investors have accumulated enough funds? Borrowing: 1) What methods of credit scoring is used by P2P companies to evaluate borrowers? 2) Which regions have the highest demand for non-bank loans? 3) What are the biggest obstacles for P2P company expansion? I really appreciate your input! 1) This depends on your attitude to risk / reward, examples can be Saving Stream (higher reward, moderate risk) to RateSetter (lower reward, lower risk) 2) OFF3R is an aggregator 3) This depends on the platform, but the typically the lender is lending directly to the borrower via the platform, although examples of where the loan is sold to lenders would be Wellesley & Co
1) Typically the same as a bank would, but this varies, and some platforms use alternative sources of data 2) The UK 3) Growing lenders and borrowers at the same rate, and that is typically down to marketing costs
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Post by wiseclerk on Nov 10, 2016 13:59:26 GMT
Thanks. B 1) can you name an example of such company Thank you so much Experian, Schufa, Infoscore ...
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Post by rstrade on Nov 10, 2016 15:52:54 GMT
Guys big thanks!
I read the following "Peer-to-peer lending can be separated into main three types which are matchmaker, credit lender and notary model." Can you provide some feedback on these types? how do they work?
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Post by rstrade on Nov 10, 2016 18:45:01 GMT
I have another question, why some P2P investment sites do not disclose what type of loan (for what purposes) they have originated? Where as in some sites you can almost get the whole borrower profile.
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