论文代写价格-Zopa的主要竞争对手。第一个竞争对手是funding circle。这是英国第一家专注于商业融资的P2P借贷服务公司。它也是一个平台，在这个平台上，储户可以通过一个基于网络的市场直接贷款给小企业(Milne et al.， 2016)。该公司的商业模式也基于许多方法，其中贷款人考虑设定利率和金额与借款人。另一个竞争对手是利率制定者。然而，与Zopa不同的是，该公司对所有3个主要借款人类别的贷款都很宽容，包括客户、中小企业和财产担保贷款(De Roure et al.， 2016)。此外，该公司不沉迷于通过信用评级对借款人进行分类，而是只接受所谓的优质贷款。然后根据贷款期限而不是借款人的信用评级确定贷款利率。论文范文论文代写价格-Zopa的主要竞争对手分享给留学生阅读。
The first competitor is funding circle. It was the first P2P lending service based in UK focusing over funding of business. It is also a platform where savers indulge in directly lending to small business by a web based market place (Milne et al., 2016). The company’s business model is also based on many approaches wherein lenders consider setting the interest rate and amount with borrowers. Here, what is important is setting amount they wish borrowing and the process of online auction which helps in determining the way in which distribution of amount is done between lenders and borrowers (Madura, 2012). As a contrast to Zopa, borrowers are checked for credit by Experian and classification is done in bands of risk.
Another competitor is Rate Setter. However, as a contrast to Zopa, this company indulges in lending to all the 3 key borrower categories inclusive of customers, SMEs and property secured lending (De Roure et al., 2016). Also, the company differs from the sense that it does not indulge in categorization of borrowers through rating of credit rather it only undertakes to accept what is known as prime borrowing. Rates of lending are set then based on the loan term instead of the borrower credit rating.
Lend-invest is another P2P lending platform serving as a competitor for Zopa. The difference is that it does not lend to SMEs or customers directly based upon their credit rating but based upon property security if any held by the customers. This is the key reason why the company is less popular in comparison to its competitors.