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This is a Quantitative Study study.

September 30, 2025

Development of P2P lending in term of crisis

Key Points

P2P lending faces heightened credit risk during crises, impacting repayment rates for investors.
Neural models provide effective strategies for assessing the individual credit risk of borrowers.
Quantitative and qualitative indicators are essential for evaluating borrower solvency in the P2P lending landscape.
Considering environmental factors can enhance decision-making in granting consumer loans via P2P platforms.

Abstract

The article is devoted to definition content, disadvantages, advantages and features of P2P (person to person) lending under ordinary circumstances and in times of crisis. The main problem of P2P lending in the period of significant changes in environmental factors is a high risk of non-repayment of credit. Recommendations to reduce the risk of investors through the use of technology in neural models of individual credit risk assessment (scoring) an individual borrower. In actual credit history defined performance using qualitative and quantitative indicators to determine the level of solvency of borrowers individual. Interrelation researched the credit risk of the borrower-class individual, the interest rate (price) and maximum size P2P loan. Recommended consider the impact of environmental factors in the decision to grant consumer loans to individuals P2P

Development of P2P lending in term of crisis

Key Points

Abstract

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