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Accessing Information Asymmetry in Peer-to-Peer Lending by Default Prediction from Investors' Perspective

Xinyuan Wei, Bo Yu, Yao Liu
2020 Symmetry  
Recent a few years have witnessed the rapid expansion of the peer-to-peer lending marketplace.  ...  Meanwhile, due to the nature of peer-to-peer lending loans, we add an L 1 / 2 -regularization term to reduce the chance of overfitting.  ...  Introduction Peer-to-peer lending (also known as people-to-people lending, person-to-person lending, or social lending), often shorted as P2PL, a form of crowdfunding, is an online practice of individuals  ... 
doi:10.3390/sym12060935 fatcat:ujucqrsm2bds3g4sap4cenfglm

Irresponsible Lending in the Post-Crisis Era: Is the EU Consumer Credit Directive Fit for Its Purpose?

Olha O. Cherednychenko, Jesse M. Meindertsma
2019 Journal of Consumer Policy  
business models emerging in an increasingly digital marketplace, such as peer-to-peer lending.  ...  It also reveals some important limitations of the Consumer Credit Directive in providing adequate consumer protection against irresponsible lending and offers tentative recommendations for improvement.  ...  high-cost credit, cross-selling, and peer-to-peer lending (P2PL).  ... 
doi:10.1007/s10603-019-09421-4 fatcat:dmdsmy564rgvzhdinhvbsuz4gi