The article is devoted to definition content, disadvantages, advantages and features of P2P (person to person) lending under ordinary circumstances and in times of crisis. The main problem of P2P lending in the period of significant changes in environmental factors is a high risk of non-repayment of credit. Recommendations to reduce the risk of investors through the use of technology in neural models of individual credit risk assessment (scoring) an individual borrower. In actual credit history defined performance using qualitative and quantitative indicators to determine the level of solvency of borrowers individual. Interrelation researched the credit risk of the borrower-class individual, the interest rate (price) and maximum size P2P loan. Recommended consider the impact of environmental factors in the decision to grant consumer loans to individuals P2P
Development of P2P lending in term of crisis
Abstract
Keywords
P2P lending, risk assessment, crisis, the probability of default, investors
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Batmanghlich, C., Bobyl, V., & Martseniuk, L.
(2021).
Development of P2P lending in term of crisis.
Philosophy, Economics and Law Review,
1(1),
63-72.
https://doi.org/10.63341/2786-491X-2021-76-85