A multi-agent model of peer-to-peer lending
Başlık çevirisi mevcut değil.
- Tez No: 795669
- Danışmanlar: DR. DİMİTAR KAZAKOV
- Tez Türü: Yüksek Lisans
- Konular: Bilgisayar Mühendisliği Bilimleri-Bilgisayar ve Kontrol, Computer Engineering and Computer Science and Control
- Anahtar Kelimeler: Belirtilmemiş.
- Yıl: 2019
- Dil: İngilizce
- Üniversite: The University of York
- Enstitü: Yurtdışı Enstitü
- Ana Bilim Dalı: Belirtilmemiş.
- Bilim Dalı: Belirtilmemiş.
- Sayfa Sayısı: 90
Özet
Özet yok.
Özet (Çeviri)
This study comprises the first-ever multi-agent model of the practice of grant money through online services that match investors with borrowers. Financial services products have been undergoing innovative transformations in the last decade. One of the revolutionary“Fin”(ancial)“Tech”(nology) business model is peer-to-peer(P2P) lending. Although the P2P concept does not offer a novel financial product, it is reforming the widespread borrowing and lending by providing better-value loans to borrowers but also by increasing interest rates for lenders. A software tool has developed that could be used for realistic simulations of the processes underlying some of the most popular products of P2P lending in the U.K. market. That tool has been used to study the effects of externalities on the dynamics of P2P lending. The success of our work has been measured against a set of software requirement specifications (SRSs) and a list of research hypotheses. We have finally observed that a provision fund make a P2P platform stronger against economic crisis and competing institutions while it may not be efficient in cases of panic selling of the loans. Panic selling of the loans cannot affect the number of defaults in a product that does not have a provision fund. Making more profits is possible by taking greater risks. Platforms with a wider risk profile provide customers with greater revenue unless in exceptional circumstances such as economic crisis. Notwithstanding, the borrowers whose credit score is low may be more dangerous for the product when other institutions in the market intervene in the rates and attract safer borrowers to themselves.
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