原创力文档- 1、本文档共17页，可阅读全部内容。
- 2、原创力文档（book118）网站文档一经付费（服务费），不意味着购买了该文档的版权，仅供个人/单位学习、研究之用，不得用于商业用途，未经授权，严禁复制、发行、汇编、翻译或者网络传播等，侵权必究。
- 3、本站所有内容均由合作方或网友上传，本站不对文档的完整性、权威性及其观点立场正确性做任何保证或承诺！文档内容仅供研究参考，付费前请自行鉴别。如您付费，意味着您自己接受本站规则且自行承担风险，本站不退款、不进行额外附加服务；查看《如何避免下载的几个坑》。如果您已付费下载过本站文档，您可以点击 这里二次下载。
- 4、如文档侵犯商业秘密、侵犯著作权、侵犯人身权等，请点击“版权申诉”（推荐），也可以打举报电话：400-050-0827(电话支持时间：9:00-18:30)。
- 5、该文档为VIP文档，如果想要下载，成为VIP会员后，下载免费。
- 6、成为VIP后，下载本文档将扣除1次下载权益。下载后，不支持退款、换文档。如有疑问请联系我们。
- 7、成为VIP后，您将拥有八大权益，权益包括：VIP文档下载权益、阅读免打扰、文档格式转换、高级专利检索、专属身份标志、高级客服、多端互通、版权登记。
- 8、VIP文档为合作方或网友上传，每下载1次， 网站将根据用户上传文档的质量评分、类型等，对文档贡献者给予高额补贴、流量扶持。如果你也想贡献VIP文档。上传文档
查看更多
MarketplaceLendingAMaturingMarketMeansNewPartner
? Cognizant Reports Marketplace Lending: A Maturing Market Means New Partner Models, Business Opportunities
To maintain their impressive growth, marketplace lending platforms should focus on providing greater security for investments and transactions, venture into areas such as remittances, and set up viable partnerships with traditional banks and financial institutions.
cognizant reports | July 2014
Executive Summary
Since the early 1990s, when the Internet and online commerce began to take shape, peer-topeer (P2P) transactional systems have continued to evolve. Much like the Internet, they have morphed from highly centralized, static online platforms to widely distributed, autonomous systems that span the spectrum — from B2B and B2C commerce (A), to legal dealings (compliance and reporting, loans) to music (Napster) and online auction platforms such as eBay. Needless to say, these pioneers have radically changed how businesses and consumers act, interact, buy, sell and service over the Net.
In the financial services industry, P2P first emerged in 2005 – focusing on lending and borrowing. P2P lending platforms, also known as marketplace lending platforms, offered an alternative to traditional banking and payment systems, since they cater to the underserved with services like consumer lending, student loans, real estate and small-business lending markets. While these online providers create a marketplace for lenders and borrowers, lenders expect a higher rate of return on their investments compared with simple transactions such as bank deposits. Borrowers who are unable to qualify for loans from banks turn to these alternatives to obtain credit — possibly at a lower interest rate than they would have received from their bank, based on their respective credit profiles.
Traditional banks, which until recently remained confident about their ever-increasing spreads, are now paying close attention to these previously unconventional platforms. Lending Club and Prosper, t
文档评论（0）