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Regulatory constraint and small business lending:do innovative peer-to-peer lenders have an advantage?

Financial Innovation 2022年第1期8卷 1988-2012页

作者： Çağlar Hamarat daniel broby Accounting and Finance Department Strathclyde Business SchoolUniversity of Strathclyde199 Cathedral StreetGlasgow G40QUScotlandUK Kütahya DumlupınarÜniversitesi EvliyaÇelebi Yerleşkesi TavşanlıYolu 10.kmKütahyaTürkiye Department of Accounting Finance and EconomicsUlster Business SchoolJordanstown campusShore RoadBelfast BT370QBUK

This paper investigates whether innovative Peer-to-Peer lending by FinTechs’has a regulatory advantage over the big banks in respect of small business *** do this through the lens of the regulations imposed by the Dodd-Frank Act,using a difference-in-difference *** Act tightened traditional bank credit standards on business loans,especially for small ***,the new FinTech lenders were not subject to the same regulatory *** find that traditional banks significantly reduced their lending to small businesses,as compared to their FinTech *** results suggest that while the Dodd-Frank Act constrained lending to small businesses,innovative new lending models gained a regulatory advantage and the Peer-to-Peer lenders capitalized on this.

关键词： Small business Dodd-Frank FinTech Innovative lending models

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Financial technology and the future of banking

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Financial Innovation 2021年第1期7卷 1011-1029页

作者： daniel broby Centre for Financial Regulation and Innovation Strathclyde Business SchoolGlasgowUK

This paper presents an analytical framework that describes the business model of *** draws on the classical theory of banking and the literature on digital *** provides an explanation for existing trends and,by extending the theory of the banking firm,it illustrates how financial intermediation will be impacted by innovative financial technology *** further reviews the options that established banks will have to consider in order to mitigate the threat to their *** taking and lending are considered in the context of the challenge made from shadow banking and the all-digital *** paper contributes to an understanding of the future of banking,providing a framework for scholarly empirical *** the discussion,four possible strategies are proposed for market participants,(1)customer retention,(2)customer acquisition,(3)banking as a service and(4)social media payment *** is concluded that,in an increasingly digital world,trust will remain at the core of *** said,liquidity transformation will still have an important role to *** nature of banking and financial services,however,will change dramatically.

关键词： Banking Fintech Cryptocurrencies P2P Lending Intermediation Digital Payments

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