P2P Lending Survey
| Autor: | Enhong Chen, Hefu Zhang, Hongke Zhao, Yong Ge, Qi Liu, Guifeng Wang |
|---|---|
| Rok vydání: | 2017 |
| Předmět: |
business.industry
02 engineering and technology Data science Field (computer science) Theoretical Computer Science Micro finance Artificial Intelligence 020204 information systems Taxonomy (general) 0202 electrical engineering electronic engineering information engineering Mainstream 020201 artificial intelligence & image processing The Internet Sociology business Transaction data |
| Zdroj: | ACM Transactions on Intelligent Systems and Technology. 8:1-28 |
| ISSN: | 2157-6912 2157-6904 |
| DOI: | 10.1145/3078848 |
| Popis: | P2P lending is an emerging Internet-based application where individuals can directly borrow money from each other. The past decade has witnessed the rapid development and prevalence of online P2P lending platforms, examples of which include Prosper, LendingClub, and Kiva. Meanwhile, extensive research has been done that mainly focuses on the studies of platform mechanisms and transaction data. In this article, we provide a comprehensive survey on the research about P2P lending, which, to the best of our knowledge, is the first focused effort in this field. Specifically, we first provide a systematic taxonomy for P2P lending by summarizing different types of mainstream platforms and comparing their working mechanisms in detail. Then, we review and organize the recent advances on P2P lending from various perspectives (e.g., economics and sociology perspective, and data-driven perspective). Finally, we propose our opinions on the prospects of P2P lending and suggest some future research directions in this field. Meanwhile, throughout this paper, some analysis on real-world data collected from Prosper and Kiva are also conducted. |
| Databáze: | OpenAIRE |
| Externí odkaz: |
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