A while ago, an investor said to me, "I don't buy into the risk ratings of a well-known peer-to-peer lender because there is no reason why this lender may rate a risk correctly. Their objective is obviously to get as many loans originated in a short a period of time and then exit this market before the backlash occurs... It's no secret that the risk assessment rating or grading or score (for want of a better word) of the risk of a peer-to-peer (as known as marketplace lending) lending investment does vary between one lender to another. Presently, it is highly unlikely that we will see international rating agencies getting involved in assessing the credit risk of individual marketplace lending loans due to costs, and liability concerns since the aftermath of the global financial crisis. I say this, not with a skeptical mind, but based on the fact that rating agencies have gone through a particularly turbulent period post global financial crisis where courts and regulators have raised..