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Las plataformas de financiación participativa de crédito para consumo en España

Author

Listed:
  • Ricardo Barahona
  • Roi Barreira

Abstract

En este artículo se describen los diferentes modelos de plataformas de financiación participativa de crédito para consumo que actualmente operan en España, y se analizan su desarrollo y sus principales características a partir de la información granular que proporcionan dos de las plataformas que operan en nuestro país. Se muestra que, a pesar de que el volumen de financiación concedido por este tipo de plataformas ha avanzado a un ritmo notable durante los últimos años, su peso es todavía muy reducido en comparación con las cifras del crédito bancario. Por otra parte, la evidencia presentada muestra que el perfil de riesgo de los demandantes de fondos que acceden a esta financiación es sustancialmente más elevado que el de los prestatarios de las entidades de crédito.

Suggested Citation

  • Ricardo Barahona & Roi Barreira, 2022. "Las plataformas de financiación participativa de crédito para consumo en España," Boletín Económico, Banco de España, issue 3/2022, pages 1-12.
    • Handle: RePEc:bde:joures:y:2022:i:03:d:aa:n:27
    Note: Artículos Analíticos
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    File URL: https://www.bde.es/f/webbde/SES/Secciones/Publicaciones/InformesBoletinesRevistas/ArticulosAnaliticos/22/T3/Fich/be2203-art27.pdf
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    More about this item

    Keywords

    crédito para consumo; financiación participativa; P2P.;
    All these keywords.

    JEL classification:

    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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