| Summary: | 碩士 === 國立政治大學 === 會計學系 === 107 === P2P online lending directly matches borrowers and investors on the Internet by allowing lenders to obtain lower borrowing costs and making investors earn higher Interest income. Compared to traditional financial institutions, P2P online lending provides simple application procedures, fast investigation time and low capital acquisition cost due to the superiority from financial disintermediation. In addition, thanks to the popularity of electronic devices and the advancement of
Internet technology, borrowers can directly finish lending procedures through P2P online lending, which promotes financial inclusion and provides convenient financial services to all people.
Although P2P online lending brings many advantages, the lack of supervision system lead to many dispute in other countries such as fraud, illegal deposit taking and failed to payback to investors. Although P2P online lending is still in the development stage in Taiwan, appropriate supervise measures should be taken to enable P2P online lending to move towards healthy path.
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