Marketplace Lending, Financial Analysis, and the Future of Credit

Ioannis Akkizidis , Manuel Stagars 지음

Wiley 2015년 12월 08일 출간

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The time for financial technology innovation is now Marketplace Lending, Financial Analysis, and the Future of Credit&clearly explains why financial credit institutions need to further innovate within the financial technology arena. Through this text, you access a framework for applying innovative strategies in credit services. Provided and supported by financial institutions and entrepreneurs, the information in this engaging book encompasses printed guidance and digital ancillaries. Furthermore, the comprehensive text offers interviews with leaders in the field of fintech and financial technology innovation. Peer-to-peer lenders are steadily growing within the financial market. Integrating peer-to-peer lending into established credit institutions could strengthen the financial sector as a whole, and could lead to the incorporation of stronger risk and profitability management strategies. Explain (or Explore) approaches and challenges in financial analysis applied to credit risk and profitability Explore additional information provided via digital ancillaries, which will further support your understanding and application of key concepts Navigate the information organised into three subject areas: describing a new business model, knowledge integration, and proposing a new model for the Hybrid Financial Sector Understand how the rise of fintech fits into context within the current financial system Follow discussion of the current status quo and role of innovation in the financial industry, and consider the financial technology innovation landscape from the perspective of an entrepreneur Marketplace Lending, Financial Analysis, and the Future of Credit&is a critical text that bridges the gap in understanding between financial technology entrepreneurs and credit institutions.

목차

Preface xvii Acknowledgments xix About the Authors xxi About the Website xxiii Introduction 1 I.1 Who is this Book For? 2 I.2 What is Fintech? 2 I.2.1 Distinction between Financial Technology Innovation and Financial Innovation 3 I.3 Why Does this Book Focus on Online Lending? 4 I.4 The Hybrid Financial Sector: The Opportunity to Build a Healthier Financial System 5 PART ONE Fintech and Online Lending Landscape&m-Where Are We Now? 11 CHAPTER 1 Introduction to the Business Models in Financial Technology 15 1.1 Innovation Themes in Fintech 15 1.2 The Promises and Pitfalls of Fintech Business Models 20 1.3 The Pitfalls 22 1.4 Why is Financial Technology Innovation Important? 23 1.5 Challenges and Roadblocks for Fintech Companies 24 1.6 Fintech is a Long-Term Play 26 1.7 Concluding Remarks 27 CHAPTER 2 How Does Online Lending Work? An Overview with a Focus on Marketplace Lending 29 2.1 Reliance on Technology and Data 29 2.2 How Do Online Lenders Differ From Banks? 30 2.3 Types of Online Lenders 31 2.4 Some Background on Peer-to-Peer Networks 36 2.5 The Business Model of Marketplace Lending Platforms 40 2.6 Onboarding Process 41 2.7 Comparing Marketplace Loans with Bank Credit or Credit Card Debt 44 2.8 Who are the Alternative Borrowers? 47 2.9 Who Are Investors in Marketplace Loans? 48 2.10 Underwriting and Credit Scoring 48 2.11 Regulation 49 2.12 The Response of Banks to Online Lending 51 2.13 Concluding Remarks 52 CHAPTER 3 What Made the Rise of Online Lending Possible? 57 3.1 Technological Factors 57 3.2 Social Factors 62 3.3 Structural Factors 63 3.4 The Perfect Storm 65 3.5 A Divergence of Trends 66 3.6 Concluding Remarks 67 CHAPTER 4 Why Fintech Lives

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저자(글) Ioannis Akkizidis

저자(글) Manuel Stagars