The potential in China is far bigger. "There are about 60m micro-entrepreneurs in cities and 200m rural poor, so it is a huge market opportunity," Mr Tang says.

中国的潜力要大得多。“中国约有6000万小型创业者，还有2亿农村贫困人口，因此，这是一个巨大的商机，”唐宁说。

P2P lenders in China have an image problem, however. They have been damaged by association with China's "underground banks" — illegal lenders that charge annualised rates as high as 60 per cent. Established lending sites such as CreditEase and PaiPaiDai say their average rates for borrowers are much lower, at about 20 per cent.

然而在中国，人人贷中的贷款方存在着某种形象问题。由于被人们与中国的“地下钱庄”——非法贷款组织，年利率高达60%——相提并论，它们的形象显得不甚光彩。具有一定口碑的贷款网站，如宜信和拍拍贷(PaiPaiDai)表示，其借款人所需支付的平均利率要低得多，大约在20%左右。

There have been concerns too about the P2P business model. Borrowers typically must provide personal information, including their all-important ID number, which is released to lenders if borrowers default. Yet it is still unsecured lending, with no collateral posted.

人人贷的商业模式也引发了一些人的担忧。通常来说，借款人必须提供个人信息，包括极其重要的身份证号，如果借款者违约，贷款者将获知对方的身份证号。尽管如此，由于缺乏担保，它仍是一种不安全的贷款行为。

【人人贷:网络借贷安全否?】相关文章：

★ 揭秘天才们的那些怪癖

★ 孕期减肥安全吗?

★ 人生的四季各有滋味

★ 美国最博览群书的城市是什么？马萨诸塞州剑桥市位居榜首

★ “老佛爷”去世 他的爱猫能继承遗产吗？

★ 中国驻外使馆开通支付宝和微信支付

★ 除了“熬夜党”和“早起鸟”，其实还有一种人是“午睡派”

★ 威廉大婚英国公主“马桶帽”网上拍卖

★ 才20多岁就感觉大脑越来越迟钝，怎么办？

★ 囧研究：憋尿助你做出更佳抉择