A study on Peer to Peer Lending

• Main Authors: Fu-Jung Chin, 秦賦融
• Other Authors: Ming-Jer Tang
• Format: Others
• Language: zh-TW
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/56982180315330141143

碩士 === 國立臺灣大學 === 國際企業學研究所 === 103 === Peer to Peer lending platform is a new business model stemming from the idea of sharing economy, platform strategy and disintermediation of finance. This brings P2P lending platform with unique strengths and weaknesses. P2P lending is different from traditional banks operationally, such as the transformation of depositors, role-play of intermediation, even the status of the borrowers. This thesis summarizes the future development of P2P lending platform and the risks they would face in the near term. This Thesis also analyzes the relationships between the P2P lending platform and traditional banks, and concluded that there could be competition or cooperation between them. This Thesis in addition, discusses the risks P2P lending would face under the Taiwanese legal environment perspective. For future further research, this thesis suggests that it needs to study the application of risk sharing theorem on P2P lending, the competition between incumbent and innovation firms. It also suggests a comprehensive study on regulations of different P2P finance business.