Peer-to-peer lending / Social Lending
P2P-Lending / Crowdlending / Kredite



Peer-to-peer lending commonly abbreviated as P2PL is the practice of lending money to unrelated individuals, or "peers", without going through a traditional financial intermediary such as a bank or other traditional financial institution.

German: Beim Social Lending steht der Gedanke des Helfens im Mittelpunkt. Der Kreditgeber hat dabei zwar einen Rückzahlungsanspruch, erhält jedoch keine Verzinsung seines Einsatzes, dazu hilft oft einen online Kreditvergleich

Crowdfunding Monitoring Schweiz 2016

Crowdfunding Monitoring Switzerland (2015)

Institute of Financial Services Zug IFZ 
Crowdfunding Monitoring Schweiz
www.hslu.ch/crowdfunding
Prof. Dr. Andreas Dietrich, Simon Amrein

"The Institute of Financial Services Zug IFZ of the Lucerne School of Business publishes this Crowdfunding Monitoring report annually in cooperation with Swisscom. The purpose of this publication is to illustrate crowdfunding trends in Switzerland, present the existing platforms and analyse the drivers of future trends. This study should also serve to raise transparency in this largely under-researched field."

The study:
"Between February and April 2015, the Institute of Financial Services Zug IFZ of the Lucerne School of
Business surveyed the platforms active in Switzerland. A comprehensive set of data was collected with the
support of almost all of the platforms active in Switzerland. This data was obtained from the following 15
platforms: 100-days, GivenGain, “I believe in you”, Indiegogo, International Create Challenge, Kickstarter,
Moboo, Progettiamo, ProjektStarter, Sosense, wemakeit, investiere, c-crowd, Cashare and direct-lending.
International platforms which only very sporadically process campaigns from Switzerland are not included.

All 15 of the platforms included in the study can be categorised under crowddonating, reward-based
crowdfunding, crowdinvesting or crowdlending categories. However, as the data was not collected at the
level of individual campaigns, no distinction can be made between reward-based crowdfunding and
crowddonating. The reason is that individual reward-based crowdfunding platforms provide the option to
waive consideration. In such a case, a campaign would have to be categorised as crowddonating."

Dietrich, Andreas, and Simon Amrein. "Crowdfunding Monitoring Switzerland 2015." 2015, 1-9. Accessed June, 2015. https://blog.hslu.ch/retailbanking/files/2015/05/Crowdfunding-Monitoring_English.pdf.  

Study download:
- Crowdfunding Monitoring 2015 (German)
- Crowdfunding Monitoring 2014

Video: What is P2P-Lending?


Weblinks:
- German: Crowdfunding Monitoring Schweiz (2015)
- Peer-to-Peer-Kredite & Social Lending Switzerland - KreditZentrum: Informationen zu Peer-to-Peer-Kredite
- P2P-Plattformen: Schweiz / Deutschland/ Österreich / Amerika / England

25.06.2015 Streuung der Geldanlage: Welchen Platz sollen Online-Kredite im Portfolio einnehmen? Die meisten Anleger dürften mit dieser – Social Lending oder P2P-Lending genannten – Anlageklasse noch nicht in Berührung gekommen sein. Wenn sie den...

30.03.2015 Social Lending als Investment-Klasse: Anleger wird zum Kreditspezialisten Online-Plattformen wie Cashare, die Darlehensnehmer mit Investoren zusammenbringen, betreiben «Social Lending» (auch Crowdlending oder Peer-...

5.4.2012 «Schwarmintelligenz» beeinflusst das Kreditgeschäft und den Anlageerfolg: Banking mit digitalem «lifestyle» Die Idee des «social lending» habe sich in den Vereinigten Staaten durchgesetzt. Unternehmen wie Prosper.com und Lendingclub.com seien seit dem Jahr...

15.9.2008 Die Internet-Plattform Smava setzt neue Akzente im deutschen Kreditwesen Schnelle Kredite: von Mensch zu Mensch ... und dabei auch noch verdienen kann. «Social lending» heisst das auf Neudeutsch, und manchmal beraten Anleger die potenziellen Kreditnehmer auch.