Business, Management and Accounting
3 years ago

Interest rates and loan terms crucial in UK P2P lending success.

Journal of Advanced Computational Intelligence and Intelligent Informatics
Evaluating Default Risk and Loan Performance in UK Peer-to-Peer Lending: Evidence from Funding Circle
Boyu Xu, Zhifang Su, Jan Celler

Paper Summary

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The article examines default risk and loan performance in UK peer-to-peer lending. By analyzing various factors like credit group, loan purpose, interest rate, and loan term, the researchers found that these elements significantly affect the likelihood of loan default. The most crucial factors influencing default probability are interest rate, loan term, and loan purpose for capital needs.