Shadow Banking Soars with Non-Bank Alternatives/Financial Technology (“FinTech”) Enables Online Lending and Crowdfunding

As banks face tougher regulations and restrictions, which often result in greater difficulties and red tape for borrowers, consumers and businesses are looking for other sources for loans or lines of credit. Enter the concept of “shadow banking,” which in the simplest terms means lending by any institution or entity other than a bank, such as hedge funds or private equity funds.

Many firms, such as Prosper Marketplace, have established web sites that enable what they call peer-to-peer lending. That is, borrowers may post their loan needs and potential lenders can review those loan requests and invest in loans that meet their requirements and criteria. This means that individuals can loan money and earn interest as readily as banks can. However, a review of the actual loans made shows that commercial banks are often the main lenders under such services, as some constantly monitor these sites and offer loans through them.

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Shadow Banking Soars with Non-Bank Alternatives/Financial Technology (“FinTech”) Enables Online Lending and Crowdfunding, Business and Industry Trends Analysis

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