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Lending Crowdfunding: Principles and Market Development

In: Advances in Crowdfunding

Author

Listed:
  • Tania Ziegler

    (University of Cambridge)

  • Rotem Shneor

    (University of Agder)

Abstract

Crowdlending has emerged as the leading form of crowdfunding in terms of scope and scale. For lenders, it offers new investment opportunities, often offering better returns than some alternative investment channels, as well as opening to incorporate new small-scale investors that have not enjoyed such opportunities before. For borrowers, it offers new channels to access credit, often either offered at better terms or by including groups that have previously been marginalized and underserved by traditional credit service providers. In the current chapter we present the brief history of crowdlending, its diversity of models, the current state or the industry, as well as the underlying mechanisms and principles guiding platform operations including risk assessment and the matching of borrowers and lenders. The discussion is supported by a review of related research, while highlighting trajectories of industry development trends. The chapter concludes with suggestions for future research and insights for practitioners.

Suggested Citation

  • Tania Ziegler & Rotem Shneor, 2020. "Lending Crowdfunding: Principles and Market Development," Springer Books, in: Rotem Shneor & Liang Zhao & Bjørn-Tore Flåten (ed.), Advances in Crowdfunding, edition 1, chapter 4, pages 63-92, Springer.
    • Handle: RePEc:spr:sprchp:978-3-030-46309-0_4
    DOI: 10.1007/978-3-030-46309-0_4
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