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?

但人人贷的拥护者们指出，贷款网站正开始重塑中国金融格局，它将使中国成为人人贷这一新兴行业的全球中心。

"China has much more P2P potential than the US. You can understand the lack of credit penetration simply by being on the ground here," says Roger Ying, who launched Pandai.cn, a P2P website, last year. "It is filling an important void in the financial system."

霍中皓(Roger Ying)去年创建了人人贷网站盼贷(Pandai.cn)，他谈到，“中国在人人贷领域的潜力远远超过美国。只要踏上中国的土地，你就能深切体会到信贷渠道是何等匮乏。”他表示，“人人贷填补了金融系统中的一个重大空白。”

The government has prodded banks to lend more to small businesses but banks still favour larger enterprises, which can offer property as collateral or have state backing. That gap in lending has opened the door to a new breed of lenders: microcredit companies.

政府曾敦促银行加大对小型企业的信贷支持，但银行仍青睐向大型企业发放贷款，因为它们要么有房产作为担保，要么得到了国家的支持。贷款领域的这种缺口，为一种新型贷款机构提供了机会：小额信贷公司。

There are 4,144 microcredit companies in China, a sevenfold rise over four years, and their total lending increased 87 per cent last year to Rmb369bn, according to government data. While many are bricks-and-mortar institutions, from pawn shops to trust companies, Taobao, the Chinese rival to Ebay, has demonstrated in the retail industry that online businesses can flourish because the internet reaches vast areas still untouched by big brands.