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Riverstone Academy
BASICS OF
PEER-TO-PEER LENDING
Riverstone Academy
Defining Peer-to-Peer Lending:
Peer-to-peer lending, or P2P
lending, is a method where
individuals lend money directly to
borrowers without involving
traditional financial institutions.
Riverstone Academy
HOW P2P LENDING WORKS
P2P platforms act as
intermediaries, matching
lenders with borrowers.
Borrowers apply for loans with set
interest rates, and lenders can
choose to fund those loans partially
or fully.
Lenders in P2P lending can potentially earn
higher returns compared to traditional savings
accounts.
Diversification across multiple
loans can also help manage risk.
BENEFITS FOR LENDERS
Riverstone Academy
Riverstone Academy
Benefits for Borrowers
Borrowers might find P2P lending
more accessible and with
potentially lower interest rates
compared to traditional banks.
Typically, the application
procedure goes more quickly and
simply.
Riverstone Academy
RISKS TO CONSIDER
While P2P lending can be rewarding,
it's important to be aware of risks.
Borrowers might default on loans,
impacting lenders' returns.
Lenders should diversify to
mitigate this risk.
Riverstone Academy
LEGAL AND REGULATORY
ASPECTS
Understand the legal and
regulatory framework of
P2P lending in your
jurisdiction.
Regulations can vary,
impacting the operations
and protections provided.
Riverstone Academy
Borrowing Responsibly
Be prudent with your
borrowing and have a clear
payback strategy.
Before committing, make
sure you comprehend the
conditions and interest
rates.
THANK
YOU
Riverstone Academy
info@riverstonetraining.com.sg
www.riverstonetraining.com.sg
CONTACT US :

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