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1. P2P Banking, From the Wikipedia: "Peer-to-peer banking is an online system that allows individual members to complete financial transactions with one another by using an auction style process that lets members offer loans for a specific amount and at a specific rate. Buyers have the option to look for an amount and rate of interest that meets th...
"The main characteristics of person-to-person lending are disintermediation and reliance of existing social networks. Disintermediation is a term that denotes the removal of intermediaries in a supply chain, and in the present context, the absence of traditional financial institutions as intermediaries between individuals ("peers"); an important im...
"Lending money and supplies to friends, family and community members predates formalized financial institutions but in its modern form, peer-to-peer lending is a by-product of internet technologies, especially Web 2.0. The development of the market niche was further boosted by the global economical crisis in 2007-2010 when person-to-person lending ...
Advantages vs critiques
"One of the main advantages of person-to-person lending for borrowers has been better rates than traditional bank rates can offer (often below 10%). The advantages for lenders are higher returns than obtainable from a savings account or other investments. Both of these benefits are the result of disintermediation, the lack of high overheads to traditional financial institutions with many employees and costly locations. The paucity of administrative procedures in person-to-person lending has t...
Success Factors
From a banking/business commentator athttp://bankervision.typepad.com/bankervision/2006/09/peerless_bankin.html "What will determine the success of P2P is whether they can recruit enough sophisticated investors to fund their loans. According to this report, only about 30% of loans get funded at present on Proper.com. And it does demand a sophisticated investor: practically everyone I've spoken to - incredibly, this includes some bankers are well - fail to understand that Prosper and Zopa are...
P2P Lending as a Threat to Conventional Bank Institutions
Swiss Private Banker: P2P Lending a Threat to Bank Balance Sheets: In an video interview in June, Konrad Hummler, managing partner at Swiss Bank Wegelin & Co, states how he sees p2p lending as a threat to banks.P2P lending services could replace vital functions of banks. He says government influenced major banks are too inefficient. Established institutions will use calls for regulation to protect their business against newcomers. (The interview is in German language)
3-part commentary on peerless banking at http://profitdesk.com/content/2006/08/09/peerless-banking-part-1/
2012年3月6日 · Description. From Sander Van Damme's Master Thesis on Peer to Peer Microfinance : "Irish Loan Funds. A century after the friendly societies, across the Irish Sea, another early innovation reminds us of today's microfinance institutions (Everett, 2010). In those days the poor also lacked access to finance and it was Jonathan Swift, an Irish ...
It is an important building block of Microfinance. Description. From the Wikipedia: "Solidarity lending takes place through ‘solidarity groups’. These groups are a distinctive banking distribution channel used primarily to deliver microcredit to poor people.
Loans are zero-fee, zero-interest and relatively small — a typical loan is $1,000 on a 10-month period. At the beginning of the loan period, lending circle members determine the loan schedule by pulling numbers out of a hat.
The key idea is a new Sovereign Monetary System, where only the central bank is responsible for money creation.
In granting or issuing so called 'loans' to their customers they create the money that is essential to make the modern economy work. In fact says Prof Werner: 'here is no such thing as a bank loan' he says what happens is credit creation, when banks make the money (credit ) needed out of nothing.
Article: The Morality of Moneylending: A Short History.Yaron Brook. TOS Vol. 2, No. 3. Fall 2007 URL = http://www.theobjectivestandard.com/issues/2007-fall/morality ...
