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Бизнес Модел На Платформите За Директно Кредитиране

Author

Listed:
  • Елена Ралинска

    (УНСС)

Abstract

В настоящото проучване разглеждаме пазарните платформи за директно кредитиране между участниците (peer-to-peer) като алтернатива на традиционния банков заем и в този контекст се стремим да идентифицираме основните им същностни характеристики, прилики със и отлики от традиционните канали, предимства и недостатъци, проблеми и възможности, както и бъдещи тенденции в неговото развитие. Според нас peer-to-peer платформите предоставят валидна алтернатива на финансиране, но не вместо, а допълваща традиционния банков модел.

Suggested Citation

  • Елена Ралинска, 2019. "Бизнес Модел На Платформите За Директно Кредитиране," Electronic magazine "Dialogue", D. A. Tsenov Academy of Economics, Svishtov, Bulgaria, issue 2 Year 20, pages 127-142.
    • Handle: RePEc:dat:dialog:y:2019:i:2:p:127-142
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    File URL: http://hdl.handle.net/10610/4146
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    More about this item

    Keywords

    споделено кредитиране; P2P платформи; оценка на кредитоспособността; инвеститори; кредитополучатели;
    All these keywords.

    JEL classification:

    • G29 - Financial Economics - - Financial Institutions and Services - - - Other
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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