Lewiandy, Lewiandy (2019) The P2P Lending Industry vs. The Banking Industry: an Analysis of the Asymmetric Regulation within the Same Market. Masters thesis, Erasmus Universiteit Rotterdam.
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Abstract
This paper analyses the theoretical regulation framework in the rise of competition in the lending market between the P2P lending industry and the banking industry.There are three different market segments that become the playing fields of the two industries. The first one is the market consisting consumers without any capabilities to access banks’ lending service due to their lack of collateral or lending record. The second market consists of consumers with the ability to get small loans and this market was previously dominated by the rural banks and currently penetrated by the P2P Lending business, and the last market consists of big loans and remain dominated by the urban banks. This paper illustrates that each of this market requires different regulatory framework to deal with the different competition level between the two industries on each segment. At the end, capture theory is also applied to understand the reasonings behind the industries’ regulation. Capture happens in both of the industry but results in different consequences.In the banking industry, the regulatory capture results in excessive behaviour constraint in the regulation, making the market to be sub-optimal, while the capture in the P2P Lending industry is an anomaly as it results in the benefit to the society.
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | Tesis Skripsi/Tugas Akhir > Fakultas Hukum |
| Divisions: | Fakultas Hukum > Ilmu Hukum |
| Depositing User: | fh perpus |
| Date Deposited: | 25 Nov 2022 01:10 |
| Last Modified: | 25 Nov 2022 01:10 |
| URI: | http://repository.untar.ac.id/id/eprint/37578 |
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