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A személyközi hitelezés létjogosultsága a pénzügyi közvetítésben
[The relevance of peer-to-peer lending in financial intermediation]

Author

Listed:
  • Dömötör, Barbara
  • Ölvedi, Tímea

Abstract

Az elmúlt években a gazdaság számos területén elindult az a folyamat, amelynek eredményeként az egyes termékek és szolgáltatások vevői és eladói közvetlenül, a közvetítői szegmens kiiktatásával találnak egymásra. Ezt a folyamatot a digitalizáció és az egyre innovatívabb technológiai megoldások is segítik. A hagyományos pénzügyi közvetítők mellett sorra jelennek meg azok az új közvetítők, amelyek digitális megoldást kínálnak nemcsak a kiegészítő banki szolgáltatások, hanem a bankok fő tevékenységének számító hitelezés területén is. A személyközi hitelezés keretében egy online platform közvetlenül köti össze a hitelt kereső ügyfeleket a befektetőkkel, azzal a céllal, hogy a közvetítői szegmens kiiktatásával költséghatékonyabb megoldást kínáljon. Tanulmányunkban a személyközi hitelezés jellemzőit vizsgáljuk, összehasonlítjuk az online platformot üzemeltető közvetítőt a hagyományos pénzügyi közvetítőkkel. Azt vizsgáljuk, hogy ez a fajta közvetítés mennyiben valóságos alternatívája a banki hitelezésnek, illetve mi adhatja a platformok létjogosultságát. A vizsgált közvetítők pénzügyi adatai és legújabb eseményei alapján úgy tűnik, hogy az online hitelközvetítők egy bizonyos méret felett szükségszerűen bankká válnak, vagyis a platformok leginkább egy kedvező belépési lehetőséget biztosítanak a pénzügyi közvetítői piacra.* Journal of Economic Literature (JEL) kód: G20, G21, G29, G50.

Suggested Citation

  • Dömötör, Barbara & Ölvedi, Tímea, 2021. "A személyközi hitelezés létjogosultsága a pénzügyi közvetítésben [The relevance of peer-to-peer lending in financial intermediation]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(7), pages 773-793.
    • Handle: RePEc:ksa:szemle:1983
    DOI: 10.18414/KSZ.2021.7-8.773
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    References listed on IDEAS

    as
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    More about this item

    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G29 - Financial Economics - - Financial Institutions and Services - - - Other
    • G50 - Financial Economics - - Household Finance - - - General

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