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Introduction:

Peer-to-peer lending platforms have gained significant popularity in recent years as an alternative source of financing for individuals and small businesses. These platforms connect borrowers directly with lenders, cutting out traditional financial institutions such as banks. While peer-to-peer lending offers numerous benefits, including lower interest rates and faster access to funds, it also poses inherent risks, particularly in terms of credit risk.

Chapter 1: Introduction
1.1 Introduction
1.2 Background of study
1.3 Problem Statement
1.4 Objective of study
1.5 Limitation of study
1.6 Scope of study
1.7 Significance of study
1.8 Structure of the Thesis
1.9 Definition of terms

Chapter 2: Literature Review
2.1 Evolution of Peer-to-peer lending
2.2 Theoretical framework of credit risk
2.3 Factors influencing credit risk in peer-to-peer lending
2.4 Credit scoring models in peer-to-peer lending
2.5 Risk management practices in peer-to-peer lending
2.6 Empirical studies on credit risk in peer-to-peer lending
2.7 Regulatory environment for peer-to-peer lending
2.8 Comparison with traditional lending models
2.9 Challenges and opportunities in peer-to-peer lending
2.10 Future trends in peer-to-peer lending

Chapter 3: Research Methodology
3.1 Research design
3.2 Data collection methods
3.3 Sampling techniques
3.4 Data analysis procedures
3.5 Variables measurement
3.6 Research hypotheses
3.7 Data interpretation techniques
3.8 Ethical considerations

Chapter 4: Discussion of Findings
4.1 Descriptive analysis of the sample
4.2 Relationship between credit risk and borrower characteristics
4.3 Impact of lending platform features on credit risk
4.4 Comparative analysis of credit risk across different peer-to-peer lending platforms
4.5 Credit risk mitigation strategies
4.6 Recommendations for lenders and borrowers
4.7 Implications for policymakers
4.8 Future research directions

Chapter 5: Conclusion and Summary
5.1 Summary of key findings
5.2 Implications for theory and practice
5.3 Limitations of the study
5.4 Suggestions for future research
5.5 Conclusion

Thesis Overview:

Peer-to-peer lending platforms have emerged as a disruptive force in the financial industry, offering a new way for individuals and small businesses to access funding. However, the growth of peer-to-peer lending has also raised concerns about credit risk, as lenders face the possibility of default by borrowers. This thesis aims to explore the relationship between peer-to-peer lending platforms and credit risk, with a focus on identifying the factors that influence credit risk in this context.

The introduction provides an overview of the research topic, outlining the background of the study, problem statement, objectives, limitations, scope, significance, structure of the thesis, and definitions of key terms. The literature review examines the evolution of peer-to-peer lending, theoretical frameworks of credit risk, factors influencing credit risk, credit scoring models, risk management practices, empirical studies, regulatory environment, comparisons with traditional lending models, challenges, and opportunities, and future trends.

The research methodology section discusses the research design, data collection methods, sampling techniques, data analysis procedures, variable measurement, research hypotheses, data interpretation techniques, and ethical considerations. The discussion of findings chapter presents descriptive analyses of the sample, the relationship between credit risk and borrower characteristics, the impact of lending platform features on credit risk, comparative analyses across platforms, credit risk mitigation strategies, recommendations, and implications for policymakers and future research.

The conclusion and summary chapter provides a recap of key findings, implications for theory and practice, limitations of the study, suggestions for future research, and overall conclusions drawn from the study. Through this comprehensive analysis, this thesis aims to contribute to the existing literature on peer-to-peer lending platforms and credit risk, providing valuable insights for researchers, practitioners, and policymakers in the financial industry.

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