代写essay:P2P借贷

代写essay:P2P借贷

P2P借贷有很多方面,它们本质上是有症状的,尽管每个平台的商业模式都不同。在Zopa,平台一方通过贷款中介和服务赚钱。因此,前期费用,如发起费用和申请费用是一个重要的收入来源。此外,年度管理费大多与滞纳金一起收取。在Zopa商业模式下的客户一方,向人群放贷依赖于小额资金贷款(Milne et al., 2016)。群众成员能够以少于25美元的资本参与特定的贷款。这意味着使用多样化是P2P借贷的一种经常被引用的好处。

代写essay:P2P借贷
此外,经过处理的贷款一般都很简单,包括定期个人贷款,期限约为3-5年,期限较短的私人原因范围较广,如信用卡或债务合并、汽车贷款或国内改善贷款(Casu et al., 2015)。此外,在信贷风险评估和贷款组合管理方面,亦有规模经济的措施,以加强流动性供应和协同效应。为了利用它们在流动性供给中的利益,提供信用额度等信用产品的灵活性,公司需要做出安全的拨备(De Roure et al., 2016)。如果这些条款的观点是全球层面的,而没有考虑到这些变化,那么这些条款就会得到错误的保护。

代写essay:P2P借贷

There are various aspects in P2P lending which are symptomatic in nature even though the details are dependent over each platforms business model respectively. At Zopa, the side of platform earns through loan mediation and servicing. Therefore, the up-front fees such as origination fees and the fees for application represent an essential source of revenue. Annual administration fees furthermore mostly charge along with late repayment fees. On the side of the customer within this Zopa business model, lending to crowd depends upon fund loans of small amounts (Milne et al., 2016). Crowd members have the ability of participating in a particular loan with capital amounts less than 25 USD. This implies that use of diversification is a P2P lending benefit cited frequently.

代写essay:P2P借贷
The loans processed, moreover, are generally simple consisting of personal loans at fixed rate with maturities around 3-5 years for a wider short term private reason range such as consolidation of credit card or debt, loans for automobiles or improvement at home (Casu et al., 2015). There further are scaling economies in the assessment of credit risk and management of loan portfolio to reinforce the liquidity provision with synergies. So as to utilize their benefit in the liquidity supply for offering credit products flexibility such as credit lines, it is needed for the company to make secure provisions (De Roure et al., 2016). These provisions are secured wrongly when their perspective is at global level without the changes being considered.