Neural Networks and Rules-based Systems used to Find Rational and Scientific Correlations between being Here and Now with Afterlife Conditions
Neural Networks and Rules-based Systems used to Find Rational and
Article Fingerprint
ReserarchID
C: FINANCEK8454
Recent platform frauds in the U.S. and other parts of the world raise skepticism about the viability of online marketplace lending (OML), a fast-growing new industry. In China, over onethird of peer-to-peer lending platforms have failed, many involve outright fraud. We find in the U.S., OML platforms profit from loan origination but do not bear borrower credit risk, giving rise to the incentive to overstate borrowers’ quality. In China, most OML platforms are “balance sheet lenders” but not subject to the banking regulations. Failure to control borrower credit risk and moral hazard lead to Ponzi Scheme-type platform-runs. Our comparative case study on Lending Club (NYSE: LC) versus Yirendai (NYSE: YRD), and empirical analysis of 735 OML plat-forms in China confirm these observations. We discuss regulatory responses and market-based solutions including leveraging users’ social networks in lending.
Zhen Lei. 2026. \u201cRegulating Frauds in Online Marketplace Lending: A Comparative Study on China and U.S.\u201d. Global Journal of Management and Business Research - C: Finance GJMBR-C Volume 22 (GJMBR Volume 22 Issue C3): .
Crossref Journal DOI 10.17406/GJMBR
Print ISSN 0975-5853
e-ISSN 2249-4588
The methods for personal identification and authentication are no exception.
Total Score: 134
Country: China
Subject: Global Journal of Management and Business Research - C: Finance
Authors: Zhen Lei , Jing Tao Andy Lin , Ho Kai Chan , Ting Rose Dan (PhD/Dr. count: 0)
View Count (all-time): 156
Total Views (Real + Logic): 1501
Total Downloads (simulated): 24
Publish Date: 2026 01, Fri
Monthly Totals (Real + Logic):
Neural Networks and Rules-based Systems used to Find Rational and
A Comparative Study of the Effeect of Promotion on Employee
The Problem Managing Bicycling Mobility in Latin American Cities: Ciclovias
Impact of Capillarity-Induced Rising Damp on the Energy Performance of
Recent platform frauds in the U.S. and other parts of the world raise skepticism about the viability of online marketplace lending (OML), a fast-growing new industry. In China, over onethird of peer-to-peer lending platforms have failed, many involve outright fraud. We find in the U.S., OML platforms profit from loan origination but do not bear borrower credit risk, giving rise to the incentive to overstate borrowers’ quality. In China, most OML platforms are “balance sheet lenders” but not subject to the banking regulations. Failure to control borrower credit risk and moral hazard lead to Ponzi Scheme-type platform-runs. Our comparative case study on Lending Club (NYSE: LC) versus Yirendai (NYSE: YRD), and empirical analysis of 735 OML plat-forms in China confirm these observations. We discuss regulatory responses and market-based solutions including leveraging users’ social networks in lending.
We are currently updating this article page for a better experience.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.