International Journal of Industrial and Business Management


P2P lending industry in China

Research Article of International Journal of Industrial and Business Management P2P lending industry in China Hang Yin A judgmental sampling method is used to analyze the business models existing in China’s P2P lending market. To achieve this goal, this research selects the top 100 platforms based on outstanding loan amount to find out their business processes. After observing these platforms’ official websites, this research divides all business models into three categories with the asset side, platform side, and liability side. At the asset side, 78% of sample platforms implement business of guaranteed loans, 59% offer risk reserve service on credit loans, 14% provide pure credit loans, and 6% supply insurance loans. There are also 13% of sample platforms refer to the transfer of creditor rights from other financial institutions. For the platform side, P2P lending businesses are presented by the time order of before lending, during lending, and after lending. And at the liability side, there are individual or institutional investors. In the last, this research uses the qualitative method to identify risks come along with corresponding business models. These risks are mainly caused by P2P lending stakeholders’ willingness or abilities. Among all the risks, platform side risks are most prominent. Keywords: P2P, business models, risks, regulation ...

P2P lending’s business models, risks and regulation

Research Article of International Journal of Industrial and Business Management P2P lending’s business models, risks and regulation Hang Yin Peer-to-peer (P2P) lending is a new mode of alternative finance, allowing borrowers and lenders to transact through Internet platform without traditional intermediaries. This review focus on reviewing the P2P lending’s business models, risks and regulation. Keywords: P2P, business models, risks, regulation ...

Empirical Investigation of the Role of Emotional Intelligence on Employees’ Work Engagement in Banking Industry in South-western Nigeria

Research Article of International Journal of Industrial and Business Management Empirical Investigation of the Role of Emotional Intelligence on Employees’ Work Engagement in Banking Industry in South-western Nigeria Solomon Ojo Ph.d Department of Human Resource Development, Faculty of Management Sciences, Okuku Campus, Osun State University. The study investigated the role of Emotional Intelligence on employees’ work Engagement in banking industry. A total 804 bank employees took part in the study, in which 364 (45.3%) were males while 440 (54.7%) were females, with a mean age of 33.38 yrs (SD=7.98yrs). Questionnaire format was employed for data collection, which was made into a number of sections and into several copies for data collection. Both the Descriptive and Inferential statistics were adopted for data analysis. Specifically, the Statistical Packages for Social Sciences (SPSS) version 17.0 was utilized for data analysis. The results revealed that bank employees who were high on emotional intelligence reported more work engagement than bank employees who are low on emotional intelligence [t (802) =3.20, P<.05]. The result equally showed that bank employees who were found high on some measures of emotional intelligence reported more work engagement than bank employees who were low on some of the measures. The results were discussed extensively in relation to relevant existing bodies of literature. Keywords: Emotional intelligence, Work engagement, Banking Industry, Bank Employees, South-western Nigeria ...

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International Journal of Industrial and Business Management

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