Концепция стратегии развития рынка P2P кредитования в Армении /

The article discusses the concept of a strategy for developing the P2P lending market in Armenia. Building the strategy and tactics of "P2P" lending platforms are designed around the relationship between borrowers and lenders-investors, based on the algorithm of risk and earnings. It largely depends on the scoring format or evaluation of applicants or potential lenders of "P2P" platforms. It points out the incentives of platforms for the ambitious scoring of borrowers. The connection of this function with the possible institutional participation of banks and other financial organizations on P2P lending platforms is emphasized. The significant difference between the scoring of bank and "P2P" platform lending, the mandatory elements of scoring "P2P" platforms, as well as different levels of risk of these institutions, are presented. Evaluation of P2P platforms' potential for relationship development with other financial market participants, such as credit, insurance, and stock market participants, was done in addition to the scenario and factors for the potential development of relationships between P2P platforms and banks.