[P2P-F] Peer-to-peer Lending

Fri Jul 15 13:17:46 CEST 2011

Syb, this is very interesting.In fact I try to create a p2p lending system.
I dont know exactly how Zopa rates customer's trustworthiness and if that
method is distributed as well. From what I understand, only lending money is
distributed and not the trust mechanisms.

Looking forward to read your paper.

2011/7/15 Michel Bauwens <michelsub2004 at gmail.com>

> 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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-- 

Sincerely yours,

     Apostolis Xekoukoulotakis
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