Tarpusavio skolinimo platformos: greita grąža ar rizika?
LTLietuvoje gana neseniai atsiradusios tarpusavio skolinimo platformos, kitaip vadinamos sutelktinio skolinimo platformomis arba P2P (Peer to peer) skatina naujus investuotojus prisijungti į jų gretas. Platformų atstovai teigia, kad grąža yra neįtikėtinai didelė, tačiau ar tai iš tikrųjų yra investavimo įrankis kurio dėka galima uždirbti dideles pasyvias pajamas? Tyrimas atliktas palyginimo būdu, o rezultatai parodė, kad grąža iš investicijos yra didelė, lyginant su kitais investavimo instrumentais, bet privaloma toleruoti galimus rizikos veiksnius. Rizika apima grąžintinų paskolų vėlavimą ir klientų nemokumą. Šiose investicijose, kreditoriai patys vertina rizikos lygius pagal pateiktą informaciją ir asmenis, kurių paskolas galėtu finansuoti, renkasi patys.
ENResearch problem. New investment vehicles often only provide data that is expected to attract as many new investors as possible, without revealing the real situation: are mutual lending platforms an effective means of earning passive income or a high-risk way to lose invested personal capital? Research aim. The aim of this publication is to find out whether P2P is an effective tool of investments or may it be quite risky. Research methods. analysis of data provided by three companies engaged in the same activity, analyzing interest rates and returns receivable. Data is collected from official company websites. The information will be analyzed by comparison in order to achieve the purpose of the study and to draw conclusions as a result. Key results and conclusion. Investigation has shown that investors can earn higher returns on investments than investing in stocks or mutual funds. The risk associated with P2P platforms is determined of delayed or bad debs amounts which are higher, than in banking sector, due to simpler lending requirements.
