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India is a major developing economy and is forecasted to see massive economic growth in the next few years. It’s a country that can’t be ignored in the 21st century and may follow the steps of China if it plays its cards right. The Reserve Bank of India has recognised the importance of P2P lending in its most recent standards assessment and looks to publish them soon. In a 2016 co...

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2 July 2017
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  P2P-Banking.com has released its lending volumes for May 2017, and has measured a major increase in the volumes of almost all P2P market places compared to last year’s May. This has come to an approximate $500 million dollars in added volume. Globally, Morgan Stanley forecasts lending volumes of up to US$290 billion dollars by 2020.   We’ve seen a major increase in Chinese P2P...

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3 June 2017
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In the last federal election, Australia’s AAA rating was a hot topic that was brought up by both sides of the political spectrum. Australia’s S&P rating was threatened last year, with many predicting it to fall to AA+ in 2017 or 2018. Over the last week, we’ve seen the AAA rating re-affirmed by the S&P but placed at a high-risk.   Citing a decade of deficits, the S&P has hig...

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28 May 2017
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To invest in risky early-stage private ventures, the Government must consider you to be a ‘sophisticated investor’ that is: 1. Earning an income of over $250,000 per annum in the previous two years or 2. Having net assets in excess of $2.5 million. This means that only a small fraction of the population are able to invest in these businesses. Not only does that provide a large amount of l...

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6 April 2017
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Scott Morrison introduced the ‘Google Tax’ or the less exciting Diverted Profits tax on the 29th of November this year, stating that it will ensure that tax dodging corporations will be heavily scrutinised and taxed heavier if they try and dodge their tax. The tax will allow the ATO to broaden their scope and ensure that these large multi-nationals can properly be punished.This is somet...

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5 December 2016
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The RBA has cut the interest rate by 25 basis points from 1.75% to a historic low of 1.5% in an effort to stimulate the economy, specifically boosting growth and reducing the Australian dollar. Concerns have been raised about the subsequent effect that this will have adverse effects on the property markets. By decreasing the interest ra...

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13 August 2016
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Before delving into this discussion, I thought it would be useful to give a brief explanation of what Standard and Poor’s Rating Agency (S&P) ratings actually mean. It has become a relatively big buzz-word amongst political pundits over this election season. AAA rating is the highest possible rating, implying that the likeliho...

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17 July 2016
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‘Blockchain’ is a hot word in financial technology at the moment.

I’ll be honest, I didn’t really know what the word meant until a few weeks ago, when I had a bit-coin veteran break it down for me. Essentially, Blockchain is a massive statement of all the transactions on a specific network. The blocks, think of them as a bank statement, are ‘chained’ together to crea...

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17 June 2016
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Access to Finance for SMEs
Access to Finance for SMEs is critical to the growth of Australia and its position in the world:
Small and medium sized enterprises (SME) make up a massive portion of Austra...

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10 May 2016
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10 May 2016
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Debtor finance is something that isn’t really considered in-depth when we look at the economy as a whole. Most of debt-financing occurs when a company borrows a percentage of an outstanding debt invoice, and they are given that money to place into their business rather than waiting until their products are sold. Businesses grow quicker, the amount of working capital grows, businesses are able t...

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26 April 2016
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It often seems that we don’t know where to look without seeing a new start-up business or investment opportunity. Your funds no longer need to go into a huge company, either. Most of the opportunities afforded to you allow you to invest in far smaller businesses instead. We’ve seen the rise in power of Uber and Airbnb, which are set to disrupt the taxi industry and the accommodation market resp...

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10 April 2016
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With alternative lending becoming a more prominent part of modern business, it is important to stay abreast of changes in the industry. Composite lending is a mixture of different models and brings with it a great deal of benefits from marke...

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9 March 2016
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Industry conservatives have been having an insecure decade.
As new ideas and businesses enter the market, their influence within their own respective industries decreases. However, conservatives often re-assure themselves by believing that successf...

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16 February 2016
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Over the last few articles, I have discussed the new Government’s plan to enter the ‘era of innovation’. The most significant to MarketLend and many other financial technology companies offering fintech solutions was the amendments made to crowd-sourc...

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15 February 2016
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Archaic laws and legislation have systematically hindered innovation. The Government’s ability to adapt quickly and efficiently to innovation strongly influences the economy’s wellbeing and success. One example of this is the insurgence of ride-sharing technolog...

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5 February 2016
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 A look at how the 2008 financial crisis changed the way policy-makers use monetary and fiscal policies.

It’s a bold statement to say that Governments always learn from their mistakes. But, for the most part, they at least attempt to learn from their mistakes and the outcome is generally positive. However, what if a Government got off scot-free and they didn’t really have to lear...

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19 January 2016
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First, I think we need to do a recap of the last decade of the Australian economy. To begin with, we went through a mining boom that is often referred to as “once in a generation”, housing prices have increased rapidly, and productivity growth has been relatively stagnant and lower than the productivity growth rates achieved in the late 90’s and early 2000’s. However, over the last five to six ...

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10 January 2016
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Starting a small business can be one of the most exhilarating experiences a person can undertake, which is in part due to the risks and challenges that stand before you. Once you’ve made the decision to tackle the challenge and begin your journey, it becomes quite urgent for you to be able to get your hands on a lot of capital. Unfortunately, not many people share the same enthusiasm that you have...

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7 December 2015
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Are you sick of the high interest rates that come with personal loans or business loans from major lenders? Well, fear not. A new trend called peer to peer lending, or P2P, or marketplace lending may be of interest to you. It’s quite popular around the world, however, has been in Australia only for a few years now. This method lets you borrow money directly from the investors and that all at a ...

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6 November 2015
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Why it is important to stop anti-competitive behaviour in its tracks? Humans are strange; we are so very opposed to change before it happens and shortly after it happens, but after some time has passed, we quickly adapt. We forget why we are angry, and accept it. This is dangerous behaviour. Banks, like any institution, hold a lot of clout, politically and financially. An oligarch or four ba...

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23 October 2015
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Everyone has been through ups and downs in life. Do we, as a society, measure one’s worth only on their negative experiences? Does a company only assess the times where you have been in a bad position or unemployed before hiring you? No. Merit is not developed simply by having a limited number of negative experiences, so why should credit be?   Before 2014, Australian credit was establi...

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3 October 2015
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When many people think of the idea of a “weaker” Australian dollar, they seem to panic. It’s spread all over the media and positioned as if it was a recession or natural disaster. For investors, the issue is working out the consequences of a falling Australian dollar and the benefits. But first, let’s find the root of the falling Australian dollar, and work upward from there.   So, what...

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13 September 2015
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An un-named regional bank made an unusual statement in an article I read recently; “Depositors lend them the money, not the individuals."   In my opinion, the comment seems naïve, as I cannot possibly imagine that the majority of depositors see that they are the lenders themselves. The GFC demonstrated that many well-known banks had used depositors' money to invest into assets that w...

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7 September 2015
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Introduction

Marketlend itself is not a facilitator of crowd-sourced equity funding. However, Marketlend is a facilitator of crowd-sourced debt funding. The two models work very similarly, and as a result of the similarity in models, Marketlend believes that it can input some valuable information regarding CSEF and the reduction of compliance costs. The differentiation of equity or de...

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1 September 2015
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As someone involved with a P2P lender and generally interested in new forms of investment through utilisation of new technologies, I’ve noticed the huge amounts of hype and excitement that have been following P2P lending. However, more recently, I’ve also noticed the blatant misinformation and cynicism that have been increasingly circulated through media and journalism. Firstly, I’d like to state...

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22 August 2015
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If there was one strong lesson learnt from the GFC, amongst many, it was that the issuers who had their own capital invested and at risk in their offerings to investors (“skin in the game”) were the ones that typically survived the GFC, because they took on better risk at the time of obtaining the loan and were more committed to returning capital back to investors. It was their money at risk as we...

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29 July 2015
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Commentary The Greek Economic Crisis: Greece has experienced a tremendous amount of attention, after the strenuous and frustrating months of negotiation between creditors and the Greek Government have come to a crescendo. Creditors had given Greece another opportunity for a bailout, under the provision that strict austerity must be practiced. Alternatively, Greece could vote ‘no’ to these provi...

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6 July 2015
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Financial System Review - click for the full report Government should continue its current process to graduate the fundraising regime to facilitate securities-based crowdfunding. This would enable entities to make public offers of securities to a potentially large number of people (the ‘crowd’). The ris...

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4 January 2015
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Marketlend is now available by the following email address: http://bit.ly/1vIIblj This improves our accessibility on social media sites and also increases the number of people visiting our site. Additionally, all social websites are now accessible. Like us on Facebook at www.facebook.com/market...

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3 January 2015
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Phillip Parker from Altair Asset Management made a huge move last week by liquidating all of the fund’s Australian shares and returning the money back to investors. Parker stated that the bubbles in Chinese debt, overvalued property in the east coast, and overvalued equities would lead to a major shock for Australian equity investors.   In addition to this, we’ve seen a decrease in Aust...

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3 June 2017
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Small and medium sized enterprises (SME) make up a massive portion of Australia’s broader economy. SMEs hire up 70.5% of private sector employees, an absolutely astounding number, and contribute 57% of the industry value added by business. As an economy, our success is heavily related to the success of SMEs. Australian politicians realise the importance of SMEs in the economy, see the latest budge...

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21 February 2017
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  • New App on Google, (iPhone version pending approval)
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21 February 2017
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