해외동향 | P2P Lending: Information Externalities, Social Networks and Loans' Substitution | 한국금융연구원

[LHKOREA]

2017-08-29 일자 [제 17-65 호]

P2P Lending: Information Externalities, Social Networks and Loans' Substitution
Centre for Economic Policy Research (2017-08-28)

Despite the lack of delegated monitor and of collateral guarantees P2P lending platforms exhibit relatively low loan and delinquency rates. The adverse selection is indeed mitigated by a new screening technology (informa ..  more

Improving the 30-Year Fixed-Rate Mortgage
FRB (2017-08-28)

The 30-year fixed-rate fully amortizing mortgage (or "traditional fixed-rate mortgage") was a substantial innovation when first developed during the Great Depression. However, it has three major flaws. First, because hom ..  more

Home, safe home: cross-country monitoring framework for vulnerabilities in the residential real estate sector
ECB (2017-08-28)

This paper proposes a framework for monitoring vulnerabilities related to the residential real estate sector in a cross-country context. The framework might be useful for complementing or cross-checking signals available ..  more

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