Analysis of the effectiveness of P2P lending market in Russia

In this paper, we will consider mutual lending. P2P lending is a new for Russia, a developing tool of the credit market. The study analyzes the advantages and disadvantages of equal credit for investors and lenders. An analysis of the Russian alternative lending market was also carried out, its features were revealed. The aim of the work is to consider what optimal rates can be to ensure the effectiveness of this type of lending.