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Enchères, notation et fixation du taux d’intérêt par la foule

Author

Listed:
  • Éric Darmon

    (CREM - Centre de recherche en économie et management - UNICAEN - Université de Caen Normandie - NU - Normandie Université - UR - Université de Rennes - CNRS - Centre National de la Recherche Scientifique)

  • Nathalie Oriol

    (GREDEG - Groupe de Recherche en Droit, Economie et Gestion - UNS - Université Nice Sophia Antipolis (1965 - 2019) - CNRS - Centre National de la Recherche Scientifique - UniCA - Université Côte d'Azur)

  • Alexandra Rufini

    (GREDEG - Groupe de Recherche en Droit, Economie et Gestion - UNS - Université Nice Sophia Antipolis (1965 - 2019) - CNRS - Centre National de la Recherche Scientifique - UniCA - Université Côte d'Azur)

Abstract

We analyze the determinants of the level of interest rates related to business loans traded on crowdlending platforms. We consider an original dataset based on loans from one leading platform in France. We show that the rating provided by the platform significantly influences the interest rates. While financial ratios traditionally used to estimate credit risk do not exhibit significant influence, the recent implementation of a robot-based decision making process seems to strengthen the rating's influence on interest rates.

Suggested Citation

  • Éric Darmon & Nathalie Oriol & Alexandra Rufini, 2018. "Enchères, notation et fixation du taux d’intérêt par la foule," Post-Print hal-04670100, HAL.
    • Handle: RePEc:hal:journl:hal-04670100
    DOI: 10.3166/rfg.2018.00253
    as

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