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Article Open Access July 23, 2022

Peer-To-Peer Lending in US and China: A Guide for Emerging Market Countries

Neslihan Turguttopbas 1
1
Atilim University 1, Management, Ankara, Turkey
Publihed in: Current Research in Public Health (Volume 2, Issue 1, 2022)
Page(s): 16-30
DOI: 10.31586/ujfe.2022.346
Received
June 03, 2022
Revised
July 13, 2022
Accepted
July 21, 2022
Published
July 23, 2022
Keywords
Fintech; Peer to peer lending; P2P
Creative Commons

This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.
Copyright: Copyright © The Author(s), 2022. Published by Scientific Publications
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Cite This Article

APA Style
Turguttopbas, N. (2022). Peer-To-Peer Lending in US and China: A Guide for Emerging Market Countries. Current Research in Public Health, 2(1), 16-30. https://doi.org/10.31586/ujfe.2022.346
ACS Style
Turguttopbas, N. Peer-To-Peer Lending in US and China: A Guide for Emerging Market Countries. Current Research in Public Health 2022 2(1), 16-30. https://doi.org/10.31586/ujfe.2022.346
Chicago/Turabian Style
Turguttopbas, Neslihan. 2022. "Peer-To-Peer Lending in US and China: A Guide for Emerging Market Countries". Current Research in Public Health 2, no. 1: 16-30. https://doi.org/10.31586/ujfe.2022.346
AMA Style
Turguttopbas N. Peer-To-Peer Lending in US and China: A Guide for Emerging Market Countries. Current Research in Public Health. 2022; 2(1):16-30. https://doi.org/10.31586/ujfe.2022.346 
@Article{crph346,
AUTHOR = {Turguttopbas, Neslihan},
TITLE = {Peer-To-Peer Lending in US and China: A Guide for Emerging Market Countries},
JOURNAL = {Current Research in Public Health},
VOLUME = {2},
YEAR = {2022},
NUMBER = {1},
PAGES = {16-30},
URL = {https://www.scipublications.com/journal/index.php/UJFE/article/view/346},
ISSN = {2831-5162},
DOI = {10.31586/ujfe.2022.346},
ABSTRACT = {In mid 2000s, a new Fintech era has commenced which is known as “Crowd lending” or “FinTech Credit” whereby credit activities are realized online through internet platforms that match borrowers with lenders (investors). Those kinds of lending activities are named Peer to Peer Lending (P2P). The purpose of this study to elaborate the functioning and regulatory framework of P2P lending in US and China. Those two countries can be considered as two conspicuous example of the application of P2P lending especially in terms of regulation. China transformed its P2P market in 2015 after a long loose regulation period and US from the very beginning applied a strict regulation on the market. By that way, a set of terms of regulation is aimed to be proposed especially for the emerging market countries. It is thought that P2P lending can contribute to the economic development of the emerging market countries if it is applied properly. The contribution of this study to newly developing literature is to provide a comparison and also a set of terms of regulation to be applied in the emerging market countries.},
}
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%M doi:10.31586/ujfe.2022.346
%U https://www.scipublications.com/journal/index.php/UJFE/article/view/346

TY  - JOUR
AU  - Turguttopbas, Neslihan
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T2  - Current Research in Public Health
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UR  - https://www.scipublications.com/journal/index.php/UJFE/article/view/346
AB  - In mid 2000s, a new Fintech era has commenced which is known as “Crowd lending” or “FinTech Credit” whereby credit activities are realized online through internet platforms that match borrowers with lenders (investors). Those kinds of lending activities are named Peer to Peer Lending (P2P). The purpose of this study to elaborate the functioning and regulatory framework of P2P lending in US and China. Those two countries can be considered as two conspicuous example of the application of P2P lending especially in terms of regulation. China transformed its P2P market in 2015 after a long loose regulation period and US from the very beginning applied a strict regulation on the market. By that way, a set of terms of regulation is aimed to be proposed especially for the emerging market countries. It is thought that P2P lending can contribute to the economic development of the emerging market countries if it is applied properly. The contribution of this study to newly developing literature is to provide a comparison and also a set of terms of regulation to be applied in the emerging market countries.
DO  - Peer-To-Peer Lending in US and China: A Guide for Emerging Market Countries
TI  - 10.31586/ujfe.2022.346
ER  -