peer-to-peer lending

Fixed: Why Personal Finance is Broken and How to Make it Work for Everyone

by John Y. Campbell and Tarun Ramadorai  · 25 Jul 2025

sticking to carefully contemplated principles when faced with immediate temptation.13 The painful consequences of the privacy paradox are perhaps best exemplified by the Chinese peer-to-peer lending market, where some firms offer borrowers immediate loans if they provide access up-front to their most frequently dialed contacts. The threat of public shaming

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can compensate for weak legal protection of investors, see Philip T. Hoffman, Gilles Postel-Vinay, and Jean-Laurent Rosenthal, Dark Matter Credit: The Development of Peer-to-Peer Lending and Banking in France (Princeton University Press, 2019). 3. Marco Pagano and Tullio Jappelli, “Information sharing in credit markets,” Journal of Finance 48 (1993): 1693

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celebrity endorsement, regulation of, 227 Center for Retirement Research, 161, 162 central planning system, 9 checking accounts, 237–238, 241 China: income inequality in, 16; peer-to-peer lending market in, 187 chip-and-pin ID card, 201 choice architecture of finance, 269–270n37 chonsei, 64–65 Christmas clubs, 281n21 Church of England, 145

Value of Everything: An Antidote to Chaos The

by Mariana Mazzucato  · 25 Apr 2018  · 457pp  · 125,329 words

the 2008 crash. In the UK, since the financial crisis regulators have aimed to promote new banks and alternative forms of financial intermediation, such as peer-to-peer lending, in order to spur competition. The handful of new banks started in the UK since the crisis are somewhat optimistically called ‘challenger banks' - a challenge

China's Great Wall of Debt: Shadow Banks, Ghost Cities, Massive Loans, and the End of the Chinese Miracle

by Dinny McMahon  · 13 Mar 2018  · 290pp  · 84,375 words

around, chatting, or taking a break to shoot zombies and race motorcycles on the arcade-style games down the corridor. Liu had launched Yooli, a peer-to-peer lending platform (P2P), three years earlier, in April 2012. P2P uses the Internet to link people who need a loan directly with people willing to lend

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P paper industry, 184 Paraburdoo (Australian mining town), ix-x Paris, development of, 78 patents, 181–82 Pearl of the North, 125–28, 134–35 peer-to-peer lending platform (P2P), 99–100, 103–4 pen manufacturing, 178–80 People’s Bank of China, xiv, 109, 122–23, 135 personal shoppers, 206 PetroChina, 150

The Blockchain Alternative: Rethinking Macroeconomic Policy and Economic Theory

by Kariappa Bheemaiah  · 26 Feb 2017  · 492pp  · 118,882 words

practice, it would be criticized for being lackadaisical. This is not to say that there is not oversight at all. Lending Club, the well-known peer-to-peer lending company, is overseen by the US Securities and Exchange Commission, but this is mainly because it has now grown so large and receives a majority

Other People's Money: Masters of the Universe or Servants of the People?

by John Kay  · 2 Sep 2015  · 478pp  · 126,416 words

need to monitor these connections. Facebook illustrates how a broader range of relationships diminishes their average quality. Recent financial innovations, such as crowd-funding and peer-to-peer lending, cannot eliminate financial intermediation. If savers are to obtain returns that match the risks they take, they need to be able to judge how their

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system 6, 7, 25, 180, 181–8, 247, 259–60, 281, 297, 306 PayPal 167, 168, 187 Pecora, Ferdinand 25 Pecora hearings (1932–34) 218 peer-to-peer lending 81 pension funds 29, 98, 175, 177, 197, 199, 200, 201, 208, 213, 254, 282, 284 pension provision 78, 253–6 pension rights 53, 178

The Price of Time: The Real Story of Interest

by Edward Chancellor  · 15 Aug 2022  · 829pp  · 187,394 words

a cup of coffee. It was only natural that the search for yield should resume. Yield-chasing after 2008 took on myriad forms, from online peer-to-peer lending to investments in listed ‘yieldcos’, which, as their name suggests, were designed to attract yield-hungry investors. Other income-enhancing vehicles included business development corporations

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China’s credit system.115 The Governor pointed to Ponzi lending schemes operated by internet companies.fn13 (A few months earlier, the collapse of a peer-to-peer lending scheme had prompted large public protests in Beijing’s financial district.116) He also warned of financial risks from zombie companies, poor risk models, speculative

The Bankers' New Clothes: What's Wrong With Banking and What to Do About It

by Anat Admati and Martin Hellwig  · 15 Feb 2013  · 726pp  · 172,988 words

the use of soft information in mortgage lending. 10. On a limited scale, some of this is actually happening, for example, through Web sites offering “peer-to-peer” lending (see Ron Lieber, “The Gamble of Lending Peer to Peer,” New York Times, February 4, 2011). 11. The presumption here is that the bank is

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; during financial crisis of 2007–2009, 174–75, 306n27; Modigliani–Miller on, 305n22. See also dividends “pecking order” hypothesis, 173, 305n21 Pecora hearings (1933), 321n27 peer-to-peer lending, 50, 249n10 Peltzman, Sam, 262n52, 326n60, 331n25 Peltzman effect, 262n52 penalties. See fines and penalties performance, return on equity as flawed measure of, 116, 120

The Social Life of Money

by Nigel Dodd  · 14 May 2014  · 700pp  · 201,953 words

” or “subjects.” In monetary terms, the obvious corollary of these sites—Marazzi’s treatment fits here, too—are Internet-based monies and credit, such as peer-to-peer lending and Bitcoin. We examine these in more detail in Chapter 8. According to Hardt and Negri, the European crisis of modernity that once preoccupied a

Red Flags: Why Xi's China Is in Jeopardy

by George Magnus  · 10 Sep 2018  · 371pp  · 98,534 words

the money to use in an array of dubious financial schemes, egged on by new forms of finance such as online payments and savings schemes, peer-to-peer lending, and a permissive regulatory attitude towards the use (and abuse) of leverage. Banking crisis more likely than a debt crisis During the financial crisis in

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and draft guidelines, designed to show they were acting in unison to clamp down on the use of leverage, restrain universal life insurance policies and peer-to-peer lending, and discourage short-term fund-raising. The authorities were especially concerned to dampen down the growth of WMPs, to subject them to tighter regulation and

The Corruption of Capitalism: Why Rentiers Thrive and Work Does Not Pay

by Guy Standing  · 13 Jul 2016  · 443pp  · 98,113 words

. The platforms do the credit scoring and earn income from arrangement fees, not from the spread between lending and deposit rates as traditional lenders do. Peer-to-peer lending is still modest compared with retail banking, but by 2015 the biggest – Lending Club, Prosper and SoFi in the USA; Zopa and RateSetter in London

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patents 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12 see also intellectual property Paulson, Henry 1 payday loans 1 PayPal 1 peer-to-peer lending 1, 2, 3 PeoplePerHour 1 PEP (Personal Equity Plan) 1 Perkins, Adam 1 Permanent Wyoming Mineral Trust Fund 1 Personal Responsibility and Work Opportunity Reconciliation

How the Other Half Banks: Exclusion, Exploitation, and the Threat to Democracy

by Mehrsa Baradaran  · 5 Oct 2015  · 424pp  · 121,425 words

Big Business: A Love Letter to an American Anti-Hero

by Tyler Cowen  · 8 Apr 2019  · 297pp  · 84,009 words

The Future of Money: How the Digital Revolution Is Transforming Currencies and Finance

by Eswar S. Prasad  · 27 Sep 2021  · 661pp  · 185,701 words

The Age of Stagnation: Why Perpetual Growth Is Unattainable and the Global Economy Is in Peril

by Satyajit Das  · 9 Feb 2016  · 327pp  · 90,542 words

The Unbanking of America: How the New Middle Class Survives

by Lisa Servon  · 10 Jan 2017  · 279pp  · 76,796 words

Prosperity Without Growth: Foundations for the Economy of Tomorrow

by Tim Jackson  · 8 Dec 2016  · 573pp  · 115,489 words

Sabotage: The Financial System's Nasty Business

by Anastasia Nesvetailova and Ronen Palan  · 28 Jan 2020  · 218pp  · 62,889 words

Confessions of a Microfinance Heretic

by Hugh Sinclair  · 4 Oct 2012  · 346pp  · 101,763 words

The Mesh: Why the Future of Business Is Sharing

by Lisa Gansky  · 14 Oct 2010  · 215pp  · 55,212 words

Nomad Capitalist: How to Reclaim Your Freedom With Offshore Bank Accounts, Dual Citizenship, Foreign Companies, and Overseas Investments

by Andrew Henderson  · 8 Apr 2018  · 403pp  · 110,492 words

What's Mine Is Yours: How Collaborative Consumption Is Changing the Way We Live

by Rachel Botsman and Roo Rogers  · 2 Jan 2010  · 411pp  · 80,925 words

What's Yours Is Mine: Against the Sharing Economy

by Tom Slee  · 18 Nov 2015  · 265pp  · 69,310 words

Smart Money: How High-Stakes Financial Innovation Is Reshaping Our WorldÑFor the Better

by Andrew Palmer  · 13 Apr 2015  · 280pp  · 79,029 words

The Zero Marginal Cost Society: The Internet of Things, the Collaborative Commons, and the Eclipse of Capitalism

by Jeremy Rifkin  · 31 Mar 2014  · 565pp  · 151,129 words

The Finance Book: Understand the Numbers Even if You're Not a Finance Professional

by Stuart Warner and Si Hussain  · 20 Apr 2017  · 439pp  · 79,447 words

MacroWikinomics: Rebooting Business and the World

by Don Tapscott and Anthony D. Williams  · 28 Sep 2010  · 552pp  · 168,518 words

Reinventing Capitalism in the Age of Big Data

by Viktor Mayer-Schönberger and Thomas Ramge  · 27 Feb 2018  · 267pp  · 72,552 words

Weapons of Math Destruction: How Big Data Increases Inequality and Threatens Democracy

by Cathy O'Neil  · 5 Sep 2016  · 252pp  · 72,473 words

The Sharing Economy: The End of Employment and the Rise of Crowd-Based Capitalism

by Arun Sundararajan  · 12 May 2016  · 375pp  · 88,306 words

Throwing Rocks at the Google Bus: How Growth Became the Enemy of Prosperity

by Douglas Rushkoff  · 1 Mar 2016  · 366pp  · 94,209 words

Platform Revolution: How Networked Markets Are Transforming the Economy--And How to Make Them Work for You

by Sangeet Paul Choudary, Marshall W. van Alstyne and Geoffrey G. Parker  · 27 Mar 2016  · 421pp  · 110,406 words

Modern Monopolies: What It Takes to Dominate the 21st Century Economy

by Alex Moazed and Nicholas L. Johnson  · 30 May 2016  · 324pp  · 89,875 words

Tech Titans of China: How China's Tech Sector Is Challenging the World by Innovating Faster, Working Harder, and Going Global

by Rebecca Fannin  · 2 Sep 2019  · 269pp  · 70,543 words

Peers Inc: How People and Platforms Are Inventing the Collaborative Economy and Reinventing Capitalism

by Robin Chase  · 14 May 2015  · 330pp  · 91,805 words

Super Founders: What Data Reveals About Billion-Dollar Startups

by Ali Tamaseb  · 14 Sep 2021  · 251pp  · 80,831 words

Inside the Nudge Unit: How Small Changes Can Make a Big Difference

by David Halpern  · 26 Aug 2015  · 387pp  · 120,155 words

The Age of Cryptocurrency: How Bitcoin and Digital Money Are Challenging the Global Economic Order

by Paul Vigna and Michael J. Casey  · 27 Jan 2015  · 457pp  · 128,838 words

The Autonomous Revolution: Reclaiming the Future We’ve Sold to Machines

by William Davidow and Michael Malone  · 18 Feb 2020  · 304pp  · 80,143 words

The Future Is Faster Than You Think: How Converging Technologies Are Transforming Business, Industries, and Our Lives

by Peter H. Diamandis and Steven Kotler  · 28 Jan 2020  · 501pp  · 114,888 words

Blockchain Revolution: How the Technology Behind Bitcoin Is Changing Money, Business, and the World

by Don Tapscott and Alex Tapscott  · 9 May 2016  · 515pp  · 126,820 words

Machine, Platform, Crowd: Harnessing Our Digital Future

by Andrew McAfee and Erik Brynjolfsson  · 26 Jun 2017  · 472pp  · 117,093 words

The Inevitable: Understanding the 12 Technological Forces That Will Shape Our Future

by Kevin Kelly  · 6 Jun 2016  · 371pp  · 108,317 words

Philanthrocapitalism

by Matthew Bishop, Michael Green and Bill Clinton  · 29 Sep 2008  · 401pp  · 115,959 words

No Ordinary Disruption: The Four Global Forces Breaking All the Trends

by Richard Dobbs and James Manyika  · 12 May 2015  · 389pp  · 87,758 words

Taming the Sun: Innovations to Harness Solar Energy and Power the Planet

by Varun Sivaram  · 2 Mar 2018  · 469pp  · 132,438 words

The Bitcoin Guidebook: How to Obtain, Invest, and Spend the World's First Decentralized Cryptocurrency

by Ian Demartino  · 2 Feb 2016  · 296pp  · 86,610 words

Live Work Work Work Die: A Journey Into the Savage Heart of Silicon Valley

by Corey Pein  · 23 Apr 2018  · 282pp  · 81,873 words

The Industries of the Future

by Alec Ross  · 2 Feb 2016  · 364pp  · 99,897 words

Blockchain: Blueprint for a New Economy

by Melanie Swan  · 22 Jan 2014  · 271pp  · 52,814 words

Blockchain Chicken Farm: And Other Stories of Tech in China's Countryside

by Xiaowei Wang  · 12 Oct 2020  · 196pp  · 61,981 words

Bit by Bit: How P2P Is Freeing the World

by Jeffrey Tucker  · 7 Jan 2015

Everybody Lies: Big Data, New Data, and What the Internet Can Tell Us About Who We Really Are

by Seth Stephens-Davidowitz  · 8 May 2017  · 337pp  · 86,320 words

Escape From Rome: The Failure of Empire and the Road to Prosperity

by Walter Scheidel  · 14 Oct 2019  · 1,014pp  · 237,531 words

Cryptoassets: The Innovative Investor's Guide to Bitcoin and Beyond: The Innovative Investor's Guide to Bitcoin and Beyond

by Chris Burniske and Jack Tatar  · 19 Oct 2017  · 416pp  · 106,532 words

Open for Business Harnessing the Power of Platform Ecosystems

by Lauren Turner Claire, Laure Claire Reillier and Benoit Reillier  · 14 Oct 2017  · 240pp  · 78,436 words

Markets, State, and People: Economics for Public Policy

by Diane Coyle  · 14 Jan 2020  · 384pp  · 108,414 words

What Would Google Do?

by Jeff Jarvis  · 15 Feb 2009  · 299pp  · 91,839 words

Frugal Innovation: How to Do Better With Less

by Jaideep Prabhu Navi Radjou  · 15 Feb 2015  · 400pp  · 88,647 words

Collaborative Society

by Dariusz Jemielniak and Aleksandra Przegalinska  · 18 Feb 2020  · 187pp  · 50,083 words

The Business Blockchain: Promise, Practice, and Application of the Next Internet Technology

by William Mougayar  · 25 Apr 2016  · 161pp  · 44,488 words

The Nature of Software Development: Keep It Simple, Make It Valuable, Build It Piece by Piece

by Ron Jeffries  · 14 Aug 2015  · 444pp  · 118,393 words

The New Digital Age: Transforming Nations, Businesses, and Our Lives

by Eric Schmidt and Jared Cohen  · 22 Apr 2013  · 525pp  · 116,295 words

Digital Gold: Bitcoin and the Inside Story of the Misfits and Millionaires Trying to Reinvent Money

by Nathaniel Popper  · 18 May 2015  · 387pp  · 112,868 words

The Second Curve: Thoughts on Reinventing Society

by Charles Handy  · 12 Mar 2015  · 164pp  · 57,068 words

Dual Transformation: How to Reposition Today's Business While Creating the Future

by Scott D. Anthony and Mark W. Johnson  · 27 Mar 2017  · 293pp  · 78,439 words

The New Geography of Jobs

by Enrico Moretti  · 21 May 2012  · 403pp  · 87,035 words

The Internet of Money

by Andreas M. Antonopoulos  · 28 Aug 2016  · 200pp  · 47,378 words