The Business Models and Economics of Peer-to-Peer lending. ECRI Research Report No 17, May 2016

This paper reviews peer-to-peer (P2P) lending, its development in the UK and other countries, and assesses the business and economic policy issues surrounding this new form of intermediation. P2P platform technology allows direct matching of borrowers’ and lenders’ diversification over a large number of borrowers without the loans having to be held on an intermediary balance sheet. P2P lending has developed rapidly in both the US and the UK, but it still represents a small fraction, less than 1%, of the stock of bank lending. In the UK – but not elsewhere – it is an important source of loans for smaller companies. We argue that P2P lending is fundamentally complementary to, and not competitive with, conventional banking. We therefore expect banks to adapt to the emergence of P2P lending, either by cooperating closely with third-party P2P lending platforms or offering their own proprietary platforms. We also argue that the full development of the sector requires much further work addressing the risks and business and regulatory issues in P2P lending, including risk communication, orderly resolution of platform failure, control of liquidity risks and minimisation of fraud, security and operational risks. This will depend on developing reliable business processes, the promotion to the full extent possible of transparency and standardisation and appropriate regulation that serves the needs of customers.

How mobile is tech talent? A case study of IT professionals based on data from LinkedIn. CEPS Special Report No. 140, July 2016

This study aims to provide independent and in-depth insights into how IT professionals move from one region to another within Europe and beyond. This study was carried out by Mikkel Barslund, Research Fellow, and Matthias Busse, Researcher in the Economic Policy research unit at CEPS. The work was commissioned by the business networking website LinkedIn, whose data analysts kindly provided the data used in this study, aggregated by region and in relative and anonymised terms. The authors are solely responsible for the findings and opinions expressed in this study. CEPS is an independent policy research institute in Brussels, whose mission is to produce sound policy research leading to constructive solutions to the challenges facing Europe today. The views expressed in this study are solely those of the authors and should not be attributed to CEPS or to any other institution with which they are associated or to the business networking website LinkedIn.

Drivers for and against municipal wastewater recycling: a review

The reclamation, treatment and reuse of municipal wastewater can provide important environmental benefits. In this paper, 25 studies on this topic were reviewed and it was found that there are many (\textgreater150) different drivers acting for and against wastewater recycling. To deal with the challenge of comparing studies which entailed different research designs, a framework was developed which allowed the literature to be organized into comparable study contexts. Studies were categorized according to the level of analysis (wastewater recycling scheme, city, water utility, state, country, global) and outcome investigated (development/investment in new schemes, program implementation, percentage of wastewater recycled, percentage of water demand covered by recycled water, multiple outcomes). Findings across comparable case studies were then grouped according to the type (for or against recycling) and category of driver (social, natural, technical, economic, policy or business). The utility of the framework is demonstrated by summarizing the findings from four Australian studies at the city level. The framework offers a unique approach for disentangling the broad range of potential drivers for and against water recycling and to focus on those that seem relevant in specific study contexts. It may offer a valuable starting point for building hypotheses in future work.

Foreign assistance legislation for fiscal year 1982.

Hearings held March 11-May 13, 1981.

Planning and paying for full employment;

Symposium of papers submitted by participants in a conference called in 1944 by the American Labor Conference on International Affairs, first published in its journal, International post-war problems, October 1945 and January 1946. cf. Introductory note.

The science of equity; stabilization of the general price level from which emanates balanced economy and justice,

"Introduction: Silvio Gesell and free private enterprise, by George Richmond Walker": p.[7]-18.

Economics of employment.

Mode of access: Internet.

Private enterprise and governmental planning, an integration.

Bibliography: p. [363]-373.

The economics of disturbance.

Errata slip inserted.

The keys to prosperity.

Bibliographical footnotes.

States, contracts, and progress : dynamics of international wealth /

Includes bibliographical references and index.

The pattern of world conflict,

Mode of access: Internet.

Chingin seido narabini junʼeki bunpai seido /

Mode of access: Internet.

The great news,

Mode of access: Internet.

[Miscellaneous publications]

[1] The American Businessman and international commercial arbitration -- [2] Simplifying U.S. customs procedure -- 3. Toward freer world trade -- 4. The specter of 1953 -- 5. Increasing international trade with world-wide protection of trade-marks -- 6. The ICC at work -- 7. Maintaining a high level of employment in a democratic world -- 8. 'Red tape' in trade and travel -- 9. The east-west trade controversy -- 10. The expansion of trade -- 11. The president's program for a foreign economic policy -- 12. Round table on European inland transport -- 13. G.A.T.T. an analysis and appraisal of the General Agreement on Tariffs and Trade -- 14. The organization for trade cooperation and the new G.A.T.T