Students have likewise discussed the borrower’s personal investment index has an effect on the loan success, interest, and you will standard prices
Predictors of financing standard decisions
There are two quantities of factors (i.age., the personal and you will social account) that may influence the borrower’s default decisions. Regarding the private-peak situations, the current books on the on line P2P lending systems primarily centers on around three kinds of activities that determine an individual’s standard behavior, specifically, hard guidance, mellow advice, and you will inexpensive cam away from individuals (Freedman and you may Jin 2010). (далее…)