Assessment of Investor’s Portfolio of P2P Loans and Structured Certificates of P2P Loans

The aim of the paper is to evaluate the P2P loan portfolio of the company Zonky and the portfolio of structured certifcates of P2P loans. P2P loans are a part of a new economic concept, based on people’s co-operation. In particular, the position of the investor who has fnancial surpluses and is modelling their investment portfolio, is investigated in such a way as to achieve the optimal proftable allocation of resources. Markowitz’s portfolio concept is applied, adjusted to be compatible with various ratings for P2P loans. The paper concludes that the concept of P2P loans has a perspective. It is conditioned by the low interest rates banks apply to citizens’ deposits and the reluctance of banks to lower interest rates on credit cards and consumer and overdraft loans