Enchères, notation et fixation du taux d’intérêt par la foule

Éric Darmon, Nathalie Oriol () and Alexandra Rufini
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Éric Darmon: CREM - Centre de recherche en économie et management - UNICAEN - Université de Caen Normandie - NU - Normandie Université - UR - Université de Rennes - CNRS - Centre National de la Recherche Scientifique
Nathalie Oriol: GREDEG - Groupe de Recherche en Droit, Economie et Gestion - UNS - Université Nice Sophia Antipolis (1965 - 2019) - CNRS - Centre National de la Recherche Scientifique - UniCA - Université Côte d'Azur
Alexandra Rufini: GREDEG - Groupe de Recherche en Droit, Economie et Gestion - UNS - Université Nice Sophia Antipolis (1965 - 2019) - CNRS - Centre National de la Recherche Scientifique - UniCA - Université Côte d'Azur

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Abstract: We analyze the determinants of the level of interest rates related to business loans traded on crowdlending platforms. We consider an original dataset based on loans from one leading platform in France. We show that the rating provided by the platform significantly influences the interest rates. While financial ratios traditionally used to estimate credit risk do not exhibit significant influence, the recent implementation of a robot-based decision making process seems to strengthen the rating's influence on interest rates.

Date: 2018-10-19
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Published in Revue Française de Gestion, 2018, 44 (273), pp.159-177. ⟨10.3166/rfg.2018.00253⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-04670100

DOI: 10.3166/rfg.2018.00253

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