A model proposal to determine a crowd-credit-scoring
| Autor: | Carlos Sanchís-Pedregosa, Emma Berenguer, Antonio Moreno-Moreno |
|---|---|
| Přispěvatelé: | Universidad de Sevilla. Departamento de Economía Financiera y Dirección de Operaciones, Universidad de Sevilla. Departamento de Administración de Empresas y Comercialización e Investigación de Mercados (Marketing) |
| Rok vydání: | 2018 |
| Předmět: |
credit scoring
Sociology and Political Science crowdfunding business.industry Computer science 05 social sciences lcsh:HM401-1281 Credit scoring peer-to-peer Peer-to-peer Crowdsourcing computer.software_genre Data science lcsh:Sociology (General) Crowdlending 0502 economics and business Peer-topeer 050211 marketing business Crowdfunding General Economics Econometrics and Finance computer 050203 business & management crowdlending |
| Zdroj: | idUS. Depósito de Investigación de la Universidad de Sevilla instname Economics & Sociology, Vol 11, Iss 4 (2018) |
| Popis: | Crowdlending is gaining importance as a financial option and is democratizing access to capital markets. However, the key factors that drive investors to choose a given project requires further research. Some authors have identified certain isolated factors, but a holistic approach is needed. To fill this gap, we identified 10 success factors allowing us to build a crowdlending success model. The model leads to establishing the concept of crowd-credit-scoring, in others words, understanding which criteria “crowds” follow when lending money and how different these criteria are from those applied by banking executives. Results will be very useful to establish the crowd-credit-scoring concept. In others words, which are the criteria follow by the “crowd” to lend money and how different are this criteria to the banking executives’ ones. |
| Databáze: | OpenAIRE |
| Externí odkaz: |
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