ABSTRACT

This study examines the impact of the COVID-19 pandemic on the determinants of FinTech Peer-to-Peer (P2P) lending. The issue is significant because P2P lending platforms have attracted borrowers with little to no access to the credit facilities offered by conventional banks during the pandemic. Although many banks and financial institutions have offered online loan application services during the COVID-19 pandemic, few have developed verification of loan applications submitted online. The results of this study show that the COVID-19 has brought a drastic change in the key determinants of P2P lending. The results imply that FinTech P2P lending has become the most viable alternative credit option available to borrowers. The findings are significant and likely to be of interest to borrowers, investors, practitioners, academics, and policymakers because they highlight the usefulness of P2P lending platforms and their potential to augment or replace lending provided by traditional or conventional banking institutions.

摘要

本研究探讨了 COVID-19 大流行对金融科技点对点 (P2P) 贷款的决定因素的影响。这个问题很重要，因为在大流行期间，P2P 借贷平台吸引了很少或根本无法获得传统银行提供的信贷便利的借款人。尽管在 COVID-19 大流行期间许多银行和金融机构都提供了在线贷款申请服务，但很少有银行和金融机构对在线提交的贷款申请进行验证。这项研究的结果表明，COVID-19 给 P2P 借贷的关键决定因素带来了巨大变化。结果表明，金融科技 P2P 借贷已成为借款人可用的最可行的替代信贷选择。研究结果意义重大，可能会引起借款人、投资者、从业人员、学者、