Background: Online peer-to-peer lending (P2P lending) is booming as the popularity of e-finance. To develop a conceptual model for the P2P lending process is great valuable for managers to tack the issues of marketing, management and operation. Methods: In this paper, we focus on the P2P lending process model and provide a comparative analysis comparing with traditional bank loan process. Resul...

This paper reports on a detailed comparison of labour productivity in bank lending to 'middle market' or 'mid-corporate' business customers in Britain, the United States and Germany. It is based on data collected from matched samples of bank lending offices in the three countries. After standardising for average loan size, average lending output per employee-hour in the German sample is found t...

While competition constrains the ability of banks to extract informational rents from lending relationships, their informational monopoly also curtails competition through the threat of adverse selection. To analyze an intermediary’s optimal strategic response to these opposing effects we specify a model where the severity of asymmetric information between banks and borrowers increases with inf...

We study the terms of credit in a competitive market in which sellers (lenders) are willing to repeatedly …nance the purchases of buyers (borrowers) by engaging in a credit relationship. The key frictions are: (i) the lender is unable to observe the borrower’s ability to repay a loan; (ii) the borrower cannot commit to any long-term contract; (iii) it is costly for the lender to contact a borro...

This paper deals with loan contracting from a private bank in Vietnam. We focus on the main loan contract features that the bank uses in lending to business firms, namely loan maturity, collateral and loan interest rate. Based upon the simultaneous equation model of Dennis et al. (2000) and the bank’s loan contracting policies, we examine the possible interdependency of the three different loan...

We develop a lending game in which relationship-specific investments by firms benefit banks and vice versa. We show that even if all firms and banks prefer high-tech relationship loans under the first-best, asymmetric information and investment non-contractibility make them choose low-tech transaction loans. However, governments with intermediate risk ratings can use Groves subsidies for a conc...

T he present paper investigates the impact of the financial crisis on the interaction between the lending rates, deposit rates and money market rates through the process of retail bank interest rate pass-through in the countries of the Euro area. Among our findings is the heterogeneity of bank rate adjustments across sectors, loans and deposits. That was mainly marked during the pre-...

The objective of this research is to conduct an empirical analysis the relationship between Economic Growth and Domestic Commercial Lending in Belize. This guided along supply leading demand following paradigms. growth study measured by annual Gross Product (GDP) which employed as dependent variable. financial development variables applied are: Credit Belize’s Primary, Secondary Tertiary Sector...

The purpose of this paper is to investigate the relationship between recommendations international library communities and modern legislative framework in Republic Croatia on issues copyright related rights regarding libraries e-lending. In 2021, a new Copyright Related Rights Act entered into force Croatia, recent years, especially context COVID-19 pandemic, more attention has been paid litera...