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P2P lenders versus banks : cream skimming or bottom fishing?
Roure, Calebe de; Pelizzon, Loriana; Thakor, Anjan V. - 2018 - This version: April 18, 2018
We develop a simple theoretical model to motivate testable hypotheses about how peer-to-peer (P2P) platforms compete with banks for loans. The model predicts that (i) P2P lending grows when some banks are faced with exogenously higher regulatory costs; (ii) P2P loans are riskier than bank loans;...
Persistent link: https://www.econbiz.de/10011842222
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P2P lenders versus banks : cream skimming or bottom fishing?
Roure, Calebe de; Pelizzon, Loriana; Thakor, Anjan V. - 2021
We derive three testable predictions from a bank-P2P lender model of competition: (a) P2P lending grows when some banks are faced with exogenously higher regulatory costs; (b) P2P loans are riskier than bank loans; and (c) the risk-adjusted interest rates on P2P loans are lower than those on...
Persistent link: https://www.econbiz.de/10012643876
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P2P lenders versus banks : cream skimming or bottom fishing?
Roure, Calebe de; Pelizzon, Loriana; Thakor, Anjan V. - 2021
We derive three testable predictions from a bank-P2P lender model of competition: (a) P2P lending grows when some banks are faced with exogenously higher regulatory costs, (b) P2P loans are riskier than bank loans; and (c) the risk-adjusted interest rates on P2P loans are lower than those on...
Persistent link: https://www.econbiz.de/10012432024
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Sharing Economy in Deutschland : Stellenwert und Regulierungsoptionen für Beherbergungsdienstleistungen
Busch, Christoph; Demary, Vera; Engels, Barbara; … - 2019 - 1. Auflage
Persistent link: https://www.econbiz.de/10013465644
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Welchen Ordnungsrahmen braucht die Sharing Economy?
Haucap, Justus; Kehder, Christiane - 2018
Das private Teilen von Ressourcen durch die Möglichkeiten der sog. Sharing Economy ist ökonomisch prinzipiell sehr sinnvoll. Durch eine auch von den betroffenen Branchen betriebene Lobbyarbeit unterstützte Politik wird das private Teilen in Deutschland jedoch erheblich erschwert, obgleich...
Persistent link: https://www.econbiz.de/10011789548
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A lost game of bank gargains : West Germany and international banking regulation between Bretton Woods and Basel I (1972-1988)
Kemmerer, Matthias - In: Jahrbuch für Wirtschaftsgeschichte 64 (2023) 2, pp. 339-375
Current theories of financial regulation suggest expanding rules-based formal state intervention to promote …-based informal co- and self-regulation through domestic (gentlemen's) agreements underpinned West German bank internationalisation … regulation, drawing on unused primary sources: Coalitions between the German regulating and regulated actors were bolstered by a …
Persistent link: https://www.econbiz.de/10014436557
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Die internationale Finanzkrise : Ursachen, Treiber, Veränderungsbedarf und Reformansätze
Rudolph, Bernd - 2009
Der vorliegende Beitrag beschäftigt sich mit der Aufarbeitung der Hintergründe der Subprime-Krise sowie der nachfolgenden internationalen Banken- und Finanzkrisen. Auf dieser Basis werden Vorschläge diskutiert, wie die erkannten Schwachstellen im Finanzsystem repariert bzw. behoben werden...
Persistent link: https://www.econbiz.de/10003922564
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Financial market regulation in Germany under the special focus of capital requirements of financial institutions
Detzer, Daniel - 2014
This paper examines capital adequacy regulation in Germany. After a short overview about financial regulation in … Germany in general, the paper focuses on the most important development in the area of capital adequacy regulation from the … models for financial regulation is problematic. Finally, some suggestions of how the problems could be addressed are given. …
Persistent link: https://www.econbiz.de/10010256881
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Financial Market Regulation in Germany - Capital Requirements of Financial Institutions
Detzer, Daniel - 2015
This paper examines capital adequacy regulation in Germany. The first part reviews capital adequacy regulation from the …
Persistent link: https://www.econbiz.de/10013015169