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Abstract With the fluctuation of lifetime income, individuals have the incentive to make financial mutual aid and cooperation with other. People may confront with tighter credit constraint when economy growing, as a result, they invent new methods for mutual aid in order to expand the size of mutual aid group. The evolution of mutual aid methods, from individual lending to ROSCAs and credit cooperative represents such a trend. These methods are based on traditional kinship and community relationship, which are deteriorated as a result of migration. P2P lending is thriving because of the rapid growing of information technology, which has substantially decreased the transaction cost of borrowing and lending.
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Published: 18 January 2018
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