加拿大代写－个人贷款的主要风险。关键风险是借款人违约，P2P借贷包括那些希望获得适当资本回报的投资者和需要以公平利率贷款的借款人之间的匹配。与每一个p2p借贷平台一样，Zopa给投资者带来的关键风险是，借款人不考虑偿还贷款。这意味着贷款人的资本有问题(Wang et al.， 2015)。第二个风险是运营商资不抵债。如果投资者因为任何原因而停止交易，那么这将给某人带来一定的风险，因为借款人的还款将不再由账户管理。另一个风险是房地产市场的风险。以物业作抵押的贷款，在市场下跌时，会影响借款人偿还贷款的能力。接下来论文范文加拿大代写－个人贷款的主要风险分享给留学生阅读。
The key risk is default by the borrower. P2P lending is inclusive of investors matching who desire an appropriate return over their capital with borrower who need a loan at a fair rate of interest. As with every platform for P to P lending, the key risk in Zopa posed for the investors is that the borrowers do not consider repaying the loans. This implies that the capital of the lender is at a fault (Wang et al., 2015). The second risk is insolvency of operators. If an investor was to stop making a trade for any of the reasons, then this would present certain amount of risk to someone as no more the repayment of the borrower will be managed within the account (Rose et al., 2013). Various precautionary steps have been taken for ensuring that under unlikely situation of insolvency, one would have precautions of the utmost nature. Another risk is the risk of property market. For loans which are secured in opposition to property, the ability of the borrower for repaying the loan would be affected when there was a downturn in the market.
It is evident that P2P lending market share is higher considerably when viewing the loans that are not secured to the smallest organizations (De Haan et al., 2012). However, as the competition in the industry is increasing, the key focus for the company should be on being better than the remaining in the industry. The company can further increase its secured loans amount and it should also focus on finding better product diversification (Funk et al., 2015). The company can also consider focusing upon investment makers. Other companies have also considered providing more approaches but Zopa here can adopt a different approach by further reducing the rates of interests. The lending rate also can be given in such a way by the company that it is controlled. As of now, this is not the case. The company can also maintain an annual fee subscription instead of a monthly fee.
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