FinTech : application in peer to peer lending

• Main Authors: Chang, Ta Shuo, 張達碩
• Other Authors: Hsieh, Ming Hua
• Format: Others
• Language: zh-TW
• Published: 2017
• Online Access: http://ndltd.ncl.edu.tw/handle/bx4p7y

碩士 === 國立政治大學 === 經營管理碩士學程(EMBA) === 106 === Small and Medium Enterprises (SMEs) are the main drivers of global economic growth and are expected to become potential beneficiaries of financial technology. Besides, financing also plays an important role in the application of financial technology. With the application of technology, credit risk can be further evaluated with unstructured data model, so that we can not only know the customers better to achieve accurate marketing, but also estimate credit risk more accurately. In combination with the emerging financing method of FinTech, P2P lending will bring a new channel for the financing of SMEs. Moreover, consumer credit loans, low correlated with traditional investment products such as stocks and bonds, provide retail investors a diversified investment instrument.