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Peer-to-peer lending

Index Peer-to-peer lending

According to some finance regulators, while a legal definition of Peer-to-Peer P2P Lending is not yet in existence, the World Intellectual Property Organization (WIPO), the United States Patent and Trademark Office (USPTO) the Canadian Intellectual Property Office (CIPO) and the United States Government Accountability Office (GAO) acknowledge that Peer-to-Peer (P2P) Lending (synonymous with the term Person-to-Person Lending, "Private Lending", "Cryptolending"), also known as P2P Lending is the "practice of lending/investing or borrowing money from one private individual (or person) to another private individual (or person). [1]

81 relations: Alternative finance, Alternative financial service, American Banker, Autorité des marchés financiers (France), Autorité des marchés financiers (Québec), BBC News, Bloomberg Businessweek, BondMason, Comparison of crowdfunding services, Consumer Action, Crowdsourcing, Customer to customer, Daily Mail, Disintermediation, E-commerce, EDGAR, Ezubao, Federal Deposit Insurance Corporation, Financial Conduct Authority, Financial crisis of 2007–2008, Financial intermediary, Financial Markets Authority (New Zealand), Financial Services Authority, Financial Services Authority (Indonesia), Financial Services Compensation Scheme, Financial Supervisory Authority (Sweden), Financial technology, Financial Times, First-mover advantage, FOLIOfn, Forbes, Funding Circle, Government Accountability Office, Grey market, Group of Seven, Harmoney, Hong Kong, India, Internet, Kiva (organization), Lending Club, Lendwithcare, Li Ka-shing, Loan servicing, Market liquidity, MYC4, New Zealand, Non-bank financial institution, Ontario Securities Commission, Ontology, ..., Peer to peer investing, Peer-to-peer banking, Peer-to-peer lending, Ponzi scheme, Prospectus (finance), Prosper Marketplace, Reference architecture, Reference implementation, Renminbi, Reserve Bank of India, Reuters, Securities Act of 1933, Security (finance), Sequoia Capital, Social network, Subprime lending, Systems architecture, TechCrunch, The Daily Telegraph, The Economic Times, The Economist, The Guardian, The Wall Street Journal, Time (magazine), TOM Group, U.S. Securities and Exchange Commission, Vittana, WeLab, Wokai, Zidisha, Zopa. Expand index (31 more) »

Alternative finance

Alternative finance refers to financial channels, processes, and instruments that have emerged outside of the traditional finance system such as regulated banks and capital markets.

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Alternative financial service

An alternative financial service (AFS) is a financial service provided outside traditional banking institutions, on which many low-income individuals depend.

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American Banker

American Banker is a daily trade newspaper and website covering the financial services industry.

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Autorité des marchés financiers (France)

The Autorité des marchés financiers (AMF) (English: "Financial Markets Regulator") is the stock market regulator in France.

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Autorité des marchés financiers (Québec)

The Autorité des marchés financiers (AMF) is the organisation responsible for financial regulation in the Canadian province of Québec.

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BBC News

BBC News is an operational business division of the British Broadcasting Corporation (BBC) responsible for the gathering and broadcasting of news and current affairs.

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Bloomberg Businessweek

Bloomberg Businessweek is an American weekly business magazine published by Bloomberg L.P. Businessweek was founded in 1929.

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BondMason

BondMason is a direct lending and peer-to-peer lending platform based in Harpenden, UK.

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Comparison of crowdfunding services

Crowdfunding is a process in which individuals or groups pool money and other resources to fund projects initiated by other people or organizations "without standard financial intermediaries." Mollick, E. (2014).

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Consumer Action

Consumer Action is a nonprofit, consumer education and advocacy center, serving consumers in the United States.

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Crowdsourcing

Crowdsourcing is a sourcing model in which individuals or organizations obtain goods and services.

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Customer to customer

Customer to customer (C2C) markets provide an innovative way to allow customers to interact with each other.

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Daily Mail

The Daily Mail is a British daily middle-marketPeter Wilby, New Statesman, 19 December 2013 (online version: 2 January 2014) tabloid newspaper owned by the Daily Mail and General Trust and published in London.

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Disintermediation

Disintermediation is the removal of intermediaries in economics from a supply chain, or cutting out the middlemen in connection with a transaction or a series of transactions.

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E-commerce

E-commerce is the activity of buying or selling of products on online services or over the Internet.

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EDGAR

EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system, performs automated collection, validation, indexing, acceptance, and forwarding of submissions by companies and others who are required by law to file forms with the U.S. Securities and Exchange Commission (the "SEC").

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Ezubao

Ezubao was a peer-to-peer lending scheme based in the eastern Chinese province of Anhui.

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Federal Deposit Insurance Corporation

The Federal Deposit Insurance Corporation (FDIC) is a United States government corporation providing deposit insurance to depositors in U.S. commercial banks and savings institutions.

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Financial Conduct Authority

The Financial Conduct Authority (FCA) is a financial regulatory body in the United Kingdom, but operates independently of the UK Government, and is financed by charging fees to members of the financial services industry.

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Financial crisis of 2007–2008

The financial crisis of 2007–2008, also known as the global financial crisis and the 2008 financial crisis, is considered by many economists to have been the worst financial crisis since the Great Depression of the 1930s.

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Financial intermediary

A financial intermediary is an institution or individual that serves as a middleman among diverse parties in order to facilitate financial transactions.

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Financial Markets Authority (New Zealand)

The Financial Markets Authority (FMA) is the New Zealand government agency responsible for financial regulation.

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Financial Services Authority

The Financial Services Authority (FSA) was a quasi-judicial body responsible for the regulation of the financial services industry in the United Kingdom between 2001 and 2013.

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Financial Services Authority (Indonesia)

Financial Services Authority of Indonesia (Otoritas Jasa Keuangan or OJK) is an Indonesian government agency which regulates and supervises the financial services sector.

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Financial Services Compensation Scheme

The Financial Services Compensation Scheme (FSCS) is the UK’s statutory Deposit insurance and investors compensation scheme for customers of authorised financial services firms.

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Financial Supervisory Authority (Sweden)

Financial Supervisory Authority (Finansinspektionen, FI) is the Swedish government agency responsible for financial regulation in Sweden.

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Financial technology

Financial technology (FinTech or fintech) is the new technology and innovation that aims to compete with traditional financial methods in the delivery of financial services.

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Financial Times

The Financial Times (FT) is a Japanese-owned (since 2015), English-language international daily newspaper headquartered in London, with a special emphasis on business and economic news.

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First-mover advantage

In marketing strategy, first-mover advantage (FMA) is the advantage gained by the initial ("first-moving") significant occupant of a market segment.

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FOLIOfn

FOLIOfn, Inc.

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Forbes

Forbes is an American business magazine.

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Funding Circle

Funding Circle is a peer-to-peer lending marketplace that allows investors to lend money directly to small and medium-sized businesses.

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Government Accountability Office

The Government Accountability Office (GAO) is a legislative branch government agency that provides auditing, evaluation, and investigative services for the United States Congress.

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Grey market

A grey or gray market (sometimes confused with the similar term parallel market) refers to the trade of a commodity through distribution channels that are legal but unintended by the original manufacturer or trade mark proprietor.

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Group of Seven

The Group of Seven (G7) is a group consisting of Canada, France, Germany, Italy, Japan, the United Kingdom, and the United States.

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Harmoney

Harmoney Limited is a New Zealand-based peer-to-peer lending service headquartered in Auckland.

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Hong Kong

Hong Kong (Chinese: 香港), officially the Hong Kong Special Administrative Region of the People's Republic of China, is an autonomous territory of China on the eastern side of the Pearl River estuary in East Asia.

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India

India (IAST), also called the Republic of India (IAST), is a country in South Asia.

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Internet

The Internet is the global system of interconnected computer networks that use the Internet protocol suite (TCP/IP) to link devices worldwide.

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Kiva (organization)

Kiva Microfunds (commonly known by its domain name, Kiva.org) is a 501(c)(3) non-profit organization that allows people to lend money via the Internet to low-income entrepreneurs and students in over 80 countries.

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Lending Club

LendingClub is a US peer-to-peer lending company, headquartered in San Francisco, California.

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Lendwithcare

Lendwithcare is a microfinance lending website from the development charity CARE International UK.

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Li Ka-shing

Sir Ka-shing Li, GBM, KBE, JP (born on 29 July 1928 in Chao'an, Chaozhou) is a Hong Kong business magnate, investor, and philanthropist.

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Loan servicing

Loan servicing is the process by which a company (mortgage bank, servicing firm, etc.) collects interest, principal, and escrow payments from a borrower.

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Market liquidity

In business, economics or investment, market liquidity is a market's feature whereby an individual or firm can quickly purchase or sell an asset without causing a drastic change in the asset's price.

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MYC4

MYC4 A/S is a company that allowed its users to invest microcredits via an internet-platform in medium and small businesses in developing countries in Africa.

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New Zealand

New Zealand (Aotearoa) is a sovereign island country in the southwestern Pacific Ocean.

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Non-bank financial institution

A non-bank financial institution (NBFI) is a financial institution that does not have a full banking license or is not supervised by a national or international banking regulatory agency.

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Ontario Securities Commission

The Ontario Securities Commission (OSC) is a regulatory agency which administers and enforces securities legislation in the Canadian province of Ontario.

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Ontology

Ontology (introduced in 1606) is the philosophical study of the nature of being, becoming, existence, or reality, as well as the basic categories of being and their relations.

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Peer to peer investing

Peer-to-peer investing (P2PI) is the practice of investing money in notes issued by borrowers who are requesting a loan without going through a traditional financial intermediary and who are unknown to the investor.

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Peer-to-peer banking

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.

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Peer-to-peer lending

According to some finance regulators, while a legal definition of Peer-to-Peer P2P Lending is not yet in existence, the World Intellectual Property Organization (WIPO), the United States Patent and Trademark Office (USPTO) the Canadian Intellectual Property Office (CIPO) and the United States Government Accountability Office (GAO) acknowledge that Peer-to-Peer (P2P) Lending (synonymous with the term Person-to-Person Lending, "Private Lending", "Cryptolending"), also known as P2P Lending is the "practice of lending/investing or borrowing money from one private individual (or person) to another private individual (or person).

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Ponzi scheme

A Ponzi scheme (also a Ponzi game) is a form of fraud in which a purported businessman lures investors and pays profits to earlier investors using funds obtained from newer investors.

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Prospectus (finance)

A prospectus, in finance, is a disclosure document that describes a financial security for potential buyers.

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Prosper Marketplace

Prosper Marketplace, Inc. is a San Francisco, California-based company in the peer-to-peer lending industry.

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Reference architecture

A reference architecture in the field of software architecture or enterprise architecture provides a template solution for an architecture for a particular domain.

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Reference implementation

In the software development process, a reference implementation (or, less frequently, sample implementation or model implementation) is the standard from which all other implementations and corresponding customizations are derived.

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Renminbi

The renminbi (Ab.: RMB;; sign: 元; code: CNY) is the official currency of the People's Republic of China.

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Reserve Bank of India

The Reserve Bank of India (RBI) is India's central banking institution, which controls the monetary policy of the Indian rupee.

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Reuters

Reuters is an international news agency headquartered in London, United Kingdom.

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Securities Act of 1933

The United States Congress enacted the Securities Act of 1933, also known as the 1933 Act, the Securities Act, the Truth in Securities Act, the Federal Securities Act, or the '33 Act, Title I of Pub.

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Security (finance)

A security is a tradable financial asset.

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Sequoia Capital

Sequoia Capital is an American venture capital firm.

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Social network

A social network is a social structure made up of a set of social actors (such as individuals or organizations), sets of dyadic ties, and other social interactions between actors.

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Subprime lending

In finance, subprime lending (also referred to as near-prime, subpar, non-prime, and second-chance lending) means making loans to people who may have difficulty maintaining the repayment schedule, sometimes reflecting setbacks, such as unemployment, divorce, medical emergencies, etc.

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Systems architecture

A system architecture or systems architecture is the conceptual model that defines the structure, behavior, and more views of a system.

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TechCrunch

TechCrunch is an American online publisher of technology industry news founded in 2005 by Archimedes Ventures whose partners were Michael Arrington and Keith Teare.

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The Daily Telegraph

The Daily Telegraph, commonly referred to simply as The Telegraph, is a national British daily broadsheet newspaper published in London by Telegraph Media Group and distributed across the United Kingdom and internationally.

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The Economic Times

The Economic Times is an English-language, Indian daily newspaper published by the Bennett, Coleman & Co. Ltd..

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The Economist

The Economist is an English-language weekly magazine-format newspaper owned by the Economist Group and edited at offices in London.

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The Guardian

The Guardian is a British daily newspaper.

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The Wall Street Journal

The Wall Street Journal is a U.S. business-focused, English-language international daily newspaper based in New York City.

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Time (magazine)

Time is an American weekly news magazine and news website published in New York City.

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TOM Group

TOM Group Limited is a Chinese-language media company in the Greater China region, with business interests across markets in Mainland China, Taiwan and Hong Kong.

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U.S. Securities and Exchange Commission

The U.S. Securities and Exchange Commission (SEC) is an independent agency of the United States federal government.

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Vittana

Vittana was a non-governmental organization that allowed people to lend money via the Internet to students in the developing world.

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WeLab

WeLab is a financial technology (fintech) company headquartered in Hong Kong.

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Wokai

Wokai was an organization that allowed people to contribute directly to microfinance institutions in China, which in turn lend the money to entrepreneurs in rural China.

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Zidisha

Zidisha is a 501(c)(3) non-profit organization that allows people to lend small amounts of money directly to entrepreneurs in developing countries.

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Zopa

Zopa is a UK online personal finance peer-to-peer lending company founded in 2004.

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Redirects here:

Circle lending, Crowdlending, List of microfinance sponsors, Marketplace lending, Micropatronage, P2P lending, P2PLoans, P2p lending, Peer to peer lending, Person-to-person lending, Secured people to people lending, Social lending.

References

[1] https://en.wikipedia.org/wiki/Peer-to-peer_lending

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