TÜRKiYE PAZARI İÇİN İLK EŞLER ARASI BORÇ VERME PLATFORMUNA DAİR İŞ MODELI ÖNERİSİ

Yıl 2025, Cilt: 7 Sayı: 2, 1 - 11

Zekiye Aydoğan , Bekir Çetintav

https://doi.org/10.46959/jeess.1700818

Öz

Eşler arası borç verme (P2P), "kitlesel borç verme" olarak da bilinen, bireylerin ve işletmelerin geleneksel finansal kuruluşlara ihtiyaç duymadan doğrudan birbirlerine para vermelerine olanak tanıyan bir kredi verme modelidir. P2P kredilendirme, kredi değerliliğine göre borç verenleri ve borç alanları eşleştiren çevrimiçi platformlar aracılığıyla kolaylaştırılır. Bu makale, P2P kredilendirmenin, borç verenler ve borç alanlar için artan karlılık gibi avantajlarının yanı sıra, geleneksel hisse senedi piyasalarına kıyasla daha az volatilite ve likidite nedeniyle daha yüksek riskler gibi dezavantajlarını tartışmaktadır. Ayrıca, Türkiye'de P2P kredilendirmenin düzenleyici süreci incelenmekte olup, Sermaye Piyasası Kurulu'nun (SPK) kitle fonlaması faaliyetlerini düzenlemekten sorumlu olduğu belirtilmektedir. Makale, geçmiş düzenlemeleri ve SPK'nın potansiyel gelecekteki düzenlemelerini dikkate alarak, P2P kredi platformlarının kilit bileşeni olarak kredi puanlama algoritmalarına odaklanan Türkiye pazarı için öncü bir iş modeli önermektedir

Anahtar Kelimeler

Eşler arası borç verme , Kitlesel borç verme , kredi skorlama , regülatif ortam , Makine öğrenmesi

Etik Beyan

Bu çalışmanın herhangi bir etik kurul gereksinimi yoktur

Teşekkür

Projenin kavramsal geliştirme sürecinde ekibiyle birlikte destek olan Kübra Nur Güven'e teşekkür ediyoruz.

A BUSINESS MODEL PROPOSAL FOR THE FIRST P2P LENDING PLATFORM OF TURKEY

Öz

Peer-to-peer (P2P) lending, also known as "crowdlending," is a model of lending that allows individuals to lend money directly to other individuals or businesses without the need for a traditional financial institution. P2P lending is facilitated through online platforms that match lenders with borrowers based on their creditworthiness. This article discusses the pros and cons of P2P lending, including increased profitability for lenders and borrowers, but also higher risks due to less volatility and liquidity compared to traditional equity markets. The regulatory process for P2P lending in Turkey is also examined, with the Capital Markets Board (CMB) responsible for regulating crowdfunding activities.The article proposes a pioneering business model for the Turkish market that focuses on credit scoring algorithms as a key component of P2P lending platforms, taking into account past regulations and potential future regulations from the CMB.

Anahtar Kelimeler

Peer-to-peer lending , Crowdlending , Credit scoring , Regulatory environment , Machine learning

Etik Beyan

This study does not require any ethical committee approval.

Teşekkür

We would like to thank Kübra Nur Güven and her team for their support during the conceptual development process of the project.

Kaynakça

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