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Credit Risk Model for a SME Crowdlending Platform

  • Crowdlending is a growing business model that originated from the new crowdfunding phenomenon. It consists of funding companies’ loans through joining money from many investors in exchange for regular payments. One important key value in this model is the speed of the credit approval and the investment choice. The upcoming crowdlending platforms facilitate their growth through the automation of those processes. This study explores the creation of a credit-scoring model for an entrepreneurial platform, in order to fulfill the necessity of quickly determining the risk and the characteristics of loan applications for SME companies. This study will also analyze the pricing loan strategy based on the risk of the operations. Finally, the thesis suggests a of the loans and concludes with a series of improvement measures for the model.

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Author:Hector Aravena
Advisor:Uwe Hack
Document Type:Master's Thesis
Year of Completion:2016
Granting Institution:Hochschule Furtwangen
Date of final exam:2016/02/29
Release Date:2016/06/02
Tag:Crowdfunding; Crowdlending; P2P
Degree Program:MBA - International Business Management
Functional area:Business Strategy
Licence (German):License LogoUrheberrechtlich geschützt