Full Text Available
Note: Clicking the button above will open the full text document at the original institutional repository in a new window.
Investigating the application of banking regulation to online peer-to-peer lending platforms in South Africa to counter systemic risk
Mini Dissertation (MBA)--University of Pretoria, 2017.
Saved in:
| Other Authors: | |
|---|---|
| Format: | Thesis |
| Language: | English |
| Published: |
University of Pretoria
2018
|
| Subjects: | |
| Tags: |
No Tags, Be the first to tag this record!
|
| _version_ | 1867613570585329664 |
|---|---|
| access_status_str | Open Access |
| author2 | Birtch, Matthew |
| author_browse | Birtch, Matthew |
| author_facet | Birtch, Matthew |
| collection | Thesis |
| dc_rights_str_mv | © 2018 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. |
| description | Mini Dissertation (MBA)--University of Pretoria, 2017. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/64844 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:38:15.015Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2018 |
| publishDateRange | 2018 |
| publishDateSort | 2018 |
| publisher | University of Pretoria |
| publisherStr | University of Pretoria |
| record_format | dspace |
| source_str | UPSpace — University of Pretoria Institutional Repository |
| spelling | oai:repository.up.ac.za:2263/64844 Investigating the application of banking regulation to online peer-to-peer lending platforms in South Africa to counter systemic risk Birtch, Matthew ichelp@gibs.co.za Floyd, Tamarin Angela UCTD Mini Dissertation (MBA)--University of Pretoria, 2017. The behaviour and activities of online peer-to-peer lending platforms have evolved in different ways across jurisdictions, not fitting neatly within existing financial regulatory frameworks. Together with the growth momentum of the industry and the cases where losses were suffered, this culminated in a call to regulate peer-to-peer lending platforms adequately. The research presents an analysis of online peer-to-peer lending platforms through the lens of banking theory, questioning whether peer-to-peer platforms are behaving like banks and whether they pose systemic risk. These research questions feed into the ultimate research problem: whether online peer-to-peer lending platforms should be regulated like banks with respect to liquidity and capital requirements. Liquidity and capital requirements were designed to stem systemic risk in financial systems and have been praised as effective tools. Qualitative exploratory research was undertaken with 18 experts in the field. Key findings included that the presence of systemic risk is contingent on the operating structure and legal implications of the peer-to-peer platform. In certain cases, systemic risk could be present and as such liquidity and capital requirements should apply. The scope of the research was restricted to the South African financial system due to the unique nuances of its regulatory framework. pa2018 Gordon Institute of Business Science (GIBS) MBA Unrestricted 2018-05-11T09:02:37Z 2018-05-11T09:02:37Z 30-03-18 2017 Mini Dissertation Floyd, TA 2017, Investigating the application of banking regulation to online peer-to-peer lending platforms in South Africa to counter systemic risk, MBA Mini Dissertation, University of Pretoria, Pretoria, viewed yymmdd <http://hdl.handle.net/2263/64844> http://hdl.handle.net/2263/64844 en © 2018 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. application/pdf University of Pretoria |
| spellingShingle | UCTD Investigating the application of banking regulation to online peer-to-peer lending platforms in South Africa to counter systemic risk |
| title | Investigating the application of banking regulation to online peer-to-peer lending platforms in South Africa to counter systemic risk |
| title_full | Investigating the application of banking regulation to online peer-to-peer lending platforms in South Africa to counter systemic risk |
| title_fullStr | Investigating the application of banking regulation to online peer-to-peer lending platforms in South Africa to counter systemic risk |
| title_full_unstemmed | Investigating the application of banking regulation to online peer-to-peer lending platforms in South Africa to counter systemic risk |
| title_short | Investigating the application of banking regulation to online peer-to-peer lending platforms in South Africa to counter systemic risk |
| title_sort | investigating the application of banking regulation to online peer to peer lending platforms in south africa to counter systemic risk |
| topic | UCTD |
| url | http://hdl.handle.net/2263/64844 |