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L'intermédiation financière à l'époque des FinTechs : le rôle des plateformes de crowdlending

Author

Listed:
  • Olena Havrylchyk
  • Marianne Verdier

Abstract

This articles studies the role of P2P lending platforms in the financial intermediation. Online platforms allow matching credit demand with credit supply according to various risk and risk characteristics. Unlike banks, P2P lending platforms do not transform maturity and risk. However, they can organize secondary markets that allow an exchange of credit contracts. Some platforms attempt to provide a fixed revenue stream to lenders. The regulators have to ensure that platforms act in the interest of lenders to achieve efficient and stable financial intermediation. Classification JEL: D40, G01, G21, G23, O33.

Suggested Citation

  • Olena Havrylchyk & Marianne Verdier, 2017. "L'intermédiation financière à l'époque des FinTechs : le rôle des plateformes de crowdlending," Revue d'économie financière, Association d'économie financière, vol. 0(3), pages 207-222.
    • Handle: RePEc:cai:refaef:ecofi_127_0207
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    JEL classification:

    • D40 - Microeconomics - - Market Structure, Pricing, and Design - - - General
    • G01 - Financial Economics - - General - - - Financial Crises
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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