[P2P-F] Peer-to-peer Lending

Fri Jul 15 11:46:26 CEST 2011

Dear Syb,

I have already facebooked and tweeted it and here it is also copied to our
list,

feel free to post an announcement on our ning blog, for a further round of
facebook/tweeting support,

Michel

On Fri, Jul 15, 2011 at 4:39 PM, Sybski <syb at sybski.ru> wrote:

> Dear Michel,
>
> It has been a while since our last contact at Kennisland in Amsterdam. I
> now approach you with a request.
>
> As partial fulfillment of the requirements for my MBA degree at the
> Maastricht School of Management (MSM), I’m currently conducting research in
> peer-to-peer lending. Since a few days, a survey for this research is
> available at http://www.surveymonkey.co m/s/T5HVSSJ<http://www.surveymonkey.com/s/T5HVSSJ>
>  I want to combine the outcomes of this research with some semi structures
> interviews with experts in this field. Wld you be available for an interview
> (person-to-person, Skype or via e-mail) in the period up to 26 July 2011.
>
> I would also highly appreciate if you can forward the survey link (http://www.surveymonkey.co
> m/s/T5HVSSJ <http://www.surveymonkey.com/s/T5HVSSJ>) to other persons that
> could be interested in this topic. I expect to publish the results before
> the end of September 2011.
>
> Thank you in advance for your reply and your invaluable help!
>
> Groet,
> Syb Groeneveld
>
> T: Sybski
> E: syb at sybski.ru
> M: +31 6 263646 77
> S: sybgroeneveld
>
> Spadinalaan 125, 1031 KB Amsterdam
> ____________________________________________________________________
>
> *Some background on my research*
>
> Since the 1970’s the financial sector witnessed a trend of
> disintermediation (rise of non-banking institutions), deregulation
> (liberalisation of financial services) and internationalisation (banks move
> away from domestic focus). The function of the financial system as a whole
> remains the pooling of financial resources among those with surplus funds to
> be lent out to those who choose to be in deficit. However, the massive
> disruption in the banking sector in 2008 caused a global financial crisis
> and resulted in a decreased trust in the financial (regulatory) system.
> Since then, many stakeholders put pressure to improve transparency and to
> reduce system risk in the financial sector. Hence many scholars and
> practitioners consider the current financial system as a mammoth that cannot
> adapt to the fast changing and global networked economy.
>
> British Zopa.com and American Prosper.com pioneered peer-to-peer lending
> for the unsecured consumer market in 2005. In p2p lending one borrows
> money from a source other than a bank. Borrowers post the amount (up to €
> 25.000) they want to borrow and the interest they are willing to pay online.
> Lenders can get a rate of return of 7% to 13% while borrowers pay (depending
> on their risk profile) 7.5% and more. For borrowers spurned by their banks
> or scared away by the bankruptcy of lending institutions as Dutch DSB, these
> low-cost p2p-lending platforms can be an attractive alternative. So far,
> p2p-lending platforms fulfil an increasing demand (300.000 customers in the
> UK) but their outreach have been limited to a few countries (e.g. Japan,
> UK and USA). Although researched on a case-by-case basis, little has been
> written about the paradigm shift this system needs in terms of regulation,
> trust and user centred peer-to-peer structures.
>
> This thesis will therefore focus on three areas within the online p2p
> lending industry:
>
> 1.    Trust (customer);
>
> 2.    P2P-production (company/community); and
>
> 3.    Bank regulations (government).
>
> These three building blocks are fundamental in creating a new and trusted
> p2p lending system. They are also the core of the conceptual framework of my
> thesis that has as major research question: *“**What are the regulatory
> and the market requirements to create **a trusted online peer-to-peer
> lending platform for consumer loans in the Netherlands”*
>
> *_______________________________________________________________________*
>
>
>
>
>
>
>

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