Background: Peer-to-peer lending platforms have disrupted traditional lending models, but they face unique challenges in assessing credit risk. In this assignment, you will study a case of a fintech P2P lending platform and its credit risk assessment methods.
Tasks:
- Analyze the credit risk assessment techniques used by the P2P lending platform, including data sources, scoring models, and loan origination processes.
- Evaluate the effectiveness of the platform's credit risk assessment in mitigating defaults and loan losses.
- Investigate potential challenges in assessing credit risk for P2P lending platforms and propose innovative solutions.
- Discuss the impact of credit risk on the profitability and sustainability of P2P lending platforms in the fintech industry.
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