Consumer credit crowdfunding platforms in Spain

Autor:	Barahona, Ricardo, Barreira, Roi
Jazyk:	angličtina
Rok vydání:	2022
Předmět:	P2P Economy of the European Union Consumer credit Fuentes de financiación de la empresa Economic situation Financial analysis Créditos Demanda de dinero E44 G21 G32 Crowdfunding E51 E41
Zdroj:	Repositorio Institucional del Banco de España Banco de España
Popis:	Artículo de revista This article describes the different consumer credit crowdfunding platform models that are currently operating in Spain and analyses their development and their main characteristics by drawing on granular data publicly available from two of the platforms operating in Spain. The article shows that, while the volume of financing granted by this type of platform has grown at a considerable pace in recent years, its share of the total remains very small compared with bank lending figures. The evidence presented also shows that the risk profile of the borrowers who access this financing is significantly higher than that of those borrowing from credit institutions.
Databáze:	OpenAIRE
Externí odkaz:	https://explore.openaire.eu/search/publication?articleId=dedup_wf_001::3840774726f660c7773e048a932fb414 https://repositorio.bde.es/handle/123456789/23228 Zobrazit plný text záznamu