Zopa categorizes borrowers based on their credit grades and lenders can offer terms and amount of money based on the category of the borrower.

FORBES: Debt Crowdfunders: The Best Of The Best

Zopa categorizes borrowers based on their credit grades, so lenders can offer terms and amounts of money based on the category of the borrower.

FORBES: Crowdfunding In Europe: The Top 10 'Peer-to-Peer' Lenders

The first is to take the sovereign risk of the country in which the borrower is based and put the bank into the next category down.

ECONOMIST: Banking regulation