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?

在中国小额信贷的蓬勃发展中，处于前沿的正是人人贷(P2P)网站。通过收取一定的服务费，它们将具有投资意愿的人与寻找小额贷款的人联系起来，不管借款者是为了上学、买电脑还是创业。

In so doing, they are providing a platform for loans to entrepreneurs who have founded some of the most productive businesses and yet have been neglected by banks, seen as too risky or simply too small.

通过这种形式，它们为创业者提供了一个获得贷款的平台。创业者们建立了一些最富创造性的企业，但在银行看来，它们要么风险过高，要么规模太小，因而往往被无视。

The P2P boom has not been trouble-free. The bankruptcy last year of one lender, Hahadai, exposed the risks and prompted regulators to tighten their supervision, with the China Banking Regulatory Commission warning that some P2P companies "were unable to ensure the safety of the loaned funds".

人人贷的繁荣发展并非一帆风顺。去年，贷款交易平台“哈哈贷”(Hahadai)的倒闭，在暴露出该领域风险的同时，也促使监管机构加大了监管力度。中国银监会(China Banking Regulatory Commission)警告称，部分人人贷公司“无法确保贷款资金的安全”。

But advocates say the lending sites are beginning to reshape the face of Chinese finance and make China a focal point for the fledgling P2P industry worldwide.