Análisis de determinantes y gestión de riesgos en crowdfunding de préstamos entre pares
DOI:
https://doi.org/10.17081/dege.15.2.6604Palabras clave:
Gestión de riesgos, Instituciones financieras, Inversionista, Financiación, Mercado financiero, Prestatarios, Riesgo crediticioResumen
El objetivo de este estudio fue analizar la tendencia en investigación sobre los determinantes y gestión de riesgos en crowdfunding de préstamos P2P, con el fin de ampliar el conocimiento a inversionistas, empresarios y formuladores de políticas sobre esta financiación disruptiva. Se utilizó un enfoque cualitativo con descripción de publicaciones enfocadas al riesgo crediticio. Seguidamente, se realizó un análisis bibliométrico de la producción científica en las bases WOS y Scopus. El análisis bibliométrico se realizó con las plataformas VOSviewer y RStudio (librerías Bibliometrix y Biblioshiny), en el que se identificaron cuatro clústeres temáticos actuales de investigación que enfocan la producción de conocimiento. A partir del análisis descriptivo se realizó una aproximación teórica con los hallazgos más relevantes. Este estudio concluye que el crowdfunding de préstamos P2P es emergente en Latinoamérica y requiere atención en el riesgo crediticio presente en los prestatarios y en la plataforma en línea, con factores que limitan al inversionista en la identificación de riesgos e interpretación de modelos que los predicen y evalúan, lo cual los expone a altas probabilidades de incumplimiento de pago por parte de los prestatarios. Por ende, es necesario fortalecer la normatividad en el contexto de los países donde se desarrolla, a fin de generar credibilidad y confianza en este mercado disruptivo.
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