人人贷:网络借贷安全否?_BEC初级作文

人人贷:网络借贷安全否?

The rich farming soil in central China is an unlikely field for financial innovation but that is exactly what it has become.

中国华中地区肥沃的土壤，原本不大可能成为金融创新的“试验田”，但如今，这恰恰成为了事实。

When Shang Meigong faced a cash crunch in her vegetable seed business in Xiangyang, Hubei province, she was turned away by local banks and decided to look to the internet for funds. CreditEase, the biggest of a fast-growing pack of peer-to-peer lending websites, paired her up with wealthy people across the country who lent the Rmb50,000 ($7,900) that she needed.

当湖北襄阳的尚美功经营的蔬菜种子生意面临资金短缺时，她在当地银行吃了闭门羹，于是决定上网寻找资金来源。在如雨后春笋般涌现的大量人人贷网站中，规模最大的宜信(CreditEase)经过一番牵线搭桥，为她找到了异乡的有钱人，后者借给了她所需的5万元人民币（合7900美元）。

"It took just a few days to get it. The interest rate was lower than from loan sharks and higher than from banks, but the banks wouldn't lend me anything," Ms Shang says.

“几天后我就拿到了钱。利率比高利贷要低、但比银行高，可问题是银行一分钱也不肯借给我，”尚美功说道。

Peer-to-peer, or P2P, lending websites are at the leading edge of a microcredit boom in China. For a service fee, they connect people wanting to invest money with those looking to borrow small amounts, whether to attend school, buy a computer or start a business.