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L'intermédiation financière à l'époque des FinTechs : le rôle des plateformes de crowdlending

Author

Listed:
  • Olena Havrylchyk

    (CES - Centre d'économie de la Sorbonne - UP1 - Université Paris 1 Panthéon-Sorbonne - CNRS - Centre National de la Recherche Scientifique, CEPII - Centre d'études prospectives et d'informations internationales, Labex ReFi - UP1 - Université Paris 1 Panthéon-Sorbonne)

  • Marianne Verdier

    (CRED - Centre de Recherche en Economie et Droit - UP2 - Université Panthéon-Assas)

Abstract

Dans cet article, nous analysons le rôle des plateformes de crowdlending dans l'intermédiation financière. Ces plateformes jouent un rôle de courtier, permettant la rencontre sur Internet entre une offre et une demande de financement, selon son risque et sa maturité. Contrairement aux banques, les plateformes de crowdlending ne font pas de transformation de maturité et de risque. Cependant elles sont susceptibles de créer des marchés secondaires qui rendent possible l'échange de contrats de prêt. Certaines tentent aussi d'offrir des revenus fixes aux prêteurs. Les régulateurs doivent s'assurer que les plateformes agissent dans l'intérêt des prêteurs, afin que cette activité d'intermédiation soit réalisée de façon efficace, tout en limitant les risques pour la stabilité du système financier.

Suggested Citation

  • Olena Havrylchyk & Marianne Verdier, 2017. "L'intermédiation financière à l'époque des FinTechs : le rôle des plateformes de crowdlending," Post-Print hal-03201910, HAL.
    • Handle: RePEc:hal:journl:hal-03201910
    DOI: 10.3917/ecofi.127.0207
    as

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    JEL classification:

    • D40 - Microeconomics - - Market Structure, Pricing, and Design - - - General
    • G01 - Financial Economics - - General - - - Financial Crises
    • 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
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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