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Peer-to-peer lending, also referred as P2P lending, is a means to lend money to individuals or businesses through a technology driven platform/ online services that match lenders directly with borrowers. One such lending platform is https://www.lendingclub.com/ which provides such service in the US. There are a large number of borrowers and lenders registered with Lending Club
Try to provide some insight on why this positive correlation occurs via simulation. It is an expected outcome, and should not considered a sign of model mis-specification.