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DC Field | Value | Language |
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dc.contributor.author | Urpani, Dirk | - |
dc.contributor.author | Grima, Simon | - |
dc.contributor.author | Thalassinos, Yannis | - |
dc.date.accessioned | 2021-04-21T05:00:25Z | - |
dc.date.available | 2021-04-21T05:00:25Z | - |
dc.date.issued | 2020 | - |
dc.identifier.citation | Urpani, D., Grima, S., & Thalassinos, Y. (2020). The benefits of securitisation in the European peer to peer lending industry. International Journal of Finance, Insurance and Risk Management, 10(3), 132-156. | en_GB |
dc.identifier.uri | https://www.um.edu.mt/library/oar/handle/123456789/74281 | - |
dc.description.abstract | The 2008 global financial crisis fermented the creation of a financing gap between small borrowers and lending institutions, which may come in scope once again following the global pandemic. Individuals and SMEs requesting funding will get better access to capital if lenders can de-risk their position and hence mitigate their liquidity and cash flow risks. The advent of alternative finance in recent years has brought with it a source of liquidity through the power of the crowd and how this can be maximised through the use of securitisation. Securitisation has been around for a long time and since 2013 this has also been used to de-risk alternative finance and loans generated on a peer to peer (“P2P”) basis. The authors, herein delve into the different risks faced by lenders that offer loans via peer to peer lending platforms and the role that securitisation may play in addressing such risks. The discussion within this article delves further into how securitisation could be regulated and what benefits will be derived from the regulation of securitisation of peer to peer lending. The focus is placed on some themes elicited from the regulatory analysis that is the foundation for any regulatory framework for the regulation of securitisation with peer to peer loans as the securitisation assets. | en_GB |
dc.language.iso | en | en_GB |
dc.publisher | ISMASYSTEMS Scientific Research | en_GB |
dc.rights | info:eu-repo/semantics/openAccess | en_GB |
dc.subject | Peer-to-peer loans | en_GB |
dc.subject | Asset-backed financing -- Europe | en_GB |
dc.subject | Finance -- Europe | en_GB |
dc.title | The benefits of securitisation in the European peer to peer lending industry | en_GB |
dc.type | article | en_GB |
dc.rights.holder | The copyright of this work belongs to the author(s)/publisher. The rights of this work are as defined by the appropriate Copyright Legislation or as modified by any successive legislation. Users may access this work and can make use of the information contained in accordance with the Copyright Legislation provided that the author must be properly acknowledged. Further distribution or reproduction in any format is prohibited without the prior permission of the copyright holder | en_GB |
dc.description.reviewed | peer-reviewed | en_GB |
dc.identifier.doi | 10.35808/ijfirm/227 | - |
dc.publication.title | International Journal of Finance, Insurance and Risk Management | en_GB |
Appears in Collections: | Volume 10, Issue 3, 2020 |
Files in This Item:
File | Description | Size | Format | |
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The_benefits_of_securitisation_in_the_European_peer_to_peer_lending_industry.pdf | 330.82 kB | Adobe PDF | View/Open |
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