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Bridging the credit gap: The influence of regional bank structure on the expansion of peer-to-peer lending

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  • Eid, Nourhan
  • Yang, Junhong
  • Duygun, Meryem

Abstract

This paper investigates the extent to which the regional credit market structures, characterized by the presence and lending capacity of traditional banks, shape the growth of online lending marketplaces using peer-to-peer (P2P) lending data. Using an instrumental variables (IV) approach, our study suggests that areas underserved by traditional banks witness more significant growth in P2P lending. This impact is more pronounced in regions with a lower presence of small bank outreach. Furthermore, we find that an increase in P2P lending is associated with a reduced risk of borrower default. Our findings also show that the expansion of online lending marketplaces positively impacts borrowers’ financial well-being by improving their credit scores.

Suggested Citation

  • Eid, Nourhan & Yang, Junhong & Duygun, Meryem, 2024. "Bridging the credit gap: The influence of regional bank structure on the expansion of peer-to-peer lending," The British Accounting Review, Elsevier, vol. 56(6).
    • Handle: RePEc:eee:bracre:v:56:y:2024:i:6:s0890838924002129
    DOI: 10.1016/j.bar.2024.101448
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    1. Peng, Yuchao & Yang, Junhong & Shen, Ji & Gou, Qin, 2025. "Financial outreach, bank deposits, and economic growth," Journal of Economic Dynamics and Control, Elsevier, vol. 171(C).

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    • D40 - Microeconomics - - Market Structure, Pricing, and Design - - - General
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors

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