5 Flaws and Fixes in P2P Lending
That Could Make Banking Obsolete
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P2P lending platforms allow entrepreneurs and
small businesses to get easy access to loans
with flexible terms, and low interest rates.
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The global online lending market is projected
to reach $290 billion by 2020
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Marketplace lending grew exponentially in the
US, the UK, and China due to growing demand
for consumer credit, property loans, and SME
finance.
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Despite its strong growth, marketplace lending
is still a fledgling sector
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Online lending platforms need to iron out a few
kinks before they’re really a force to reckon
with
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Problems & Fixes with P2P Lending
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Fix: Follow a Standardized Credit Rating
Approach
Problem: Inherent risks from credit rating
approach
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Fix: Build a sterling reputation and attract
private investors
Problem: Reputational risk and vulnerability
issues
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Fix: Target new customer and loan segments
Problem: Volatile market expectations
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Fix: Overcome regulatory barriers in
marketplace lending
Problem: Federal regulation could ruin investor
appetite
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Fix: Implement fail-safe mechanisms
Problem: Participating investment trusts and
funds could complexify the marketplace
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Online marketplace lending platforms — aka P2P platform — could be a
real threat to the banking sector if they get a few things right.
Know more on P2P Lending from Aranca’s Investment Research Experts.
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