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Have you already heard of "Lending Crowdfunding"?
Maybe you heard someone say this name but you did not pay much attention. It is one of the emerging markets in the United States and is taking its first steps successfully also in Italy.
What is it? Simple, at least in words: Lending Crowdfunding consists in putting in contact, through a web portal, subjects who want to provide loans with subjects who need loans. And everything outside of classic banking.
The business model of the portal is therefore intermediation, since the operator does not lend his own money.
Because it's interesting? For a very appealing reason: the phenomenon has grown rapidly and with very high international rates on the wave of the Crowd-economy and has given rise to numerous cases of excellence in particularly developed economies.
In the United States, where he was born, the market leader makes very respectable figures: Lending Club, in fact, was quoted on the stock exchange for a value of about 8 billion dollars.
Its services are also required by the banks, as its loan allocation and risk calculation tools are more efficient than those of the banks themselves; it is estimated that the banks represent around 50% of the platform's investors.
In fact, one of the major advantages offered by the platform and its technology is the ability to create portfolios or split an investment into a multiplicity of loans, splitting the default risk of the recipients.
And in Italy? This is an entrepreneurial activity that in our country has literally exploded in the last year with numerous operators, even the turnover has grown and some experts expect growth also for the next years.
But it does not raise interest only for very positive numbers, there are other reasons, for example the advantages that can offer investors,
Curious? We'll talk about it in the next article.
Source:https://it.
