L'intermédiation financière à l'époque des FinTechs: le rôle des plateformes de crowdlending

Olena Havrylchyk and Marianne Verdier

Revue d'économie financière, 2017, vol. N° 127, issue 3, 207-222

Abstract: This articles studies the role of P2P lending platforms in the financial intermediation. Online platforms allow matching credit demand with credit supply according to various risk and risk characteristics. Unlike banks, P2P lending platforms do not transform maturity and risk. However, they can organize secondary markets that allow an exchange of credit contracts. Some platforms attempt to provide a fixed revenue stream to lenders. The regulators have to ensure that platforms act in the interest of lenders to achieve efficient and stable financial intermediation. Classification JEL: D40, G01, G21, G23, O33.

JEL-codes: D40 G01 G21 G23 O33 (search for similar items in EconPapers)
Date: 2017
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Working Paper: L'intermédiation financière à l'époque des FinTechs: le rôle des plateformes de crowdlending (2017)
Working Paper: L'intermédiation financière à l'époque des FinTechs: le rôle des plateformes de crowdlending (2017)
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