Nevertheless, regulators appear to be gradually warming to the sector, which Mr Tang says is seen as a way to make "underground lending" more transparent.

不过，监管部门似乎正渐渐认可这一行业，按唐宁的话说，这被视为增加“地下钱庄”透明度的一种方式。

The P2P companies have also become more upfront about confronting risks. At Pandai, Mr Ying has created a protection fund to partially backstop the lenders if borrowers default.

在防范风险的问题上，人人贷公司也变得更加未雨绸缪。就盼贷而言，霍中皓建立了一只防范基金，目的就是当出现借款人违约的情况时，能够为贷款人提供一定程度的保护。

"It is still too early to pick winners from losers in microcredit," says Victor Wang, a banking analyst with Macquarie Securities. "But if these operations are doing genuine business and not becoming loan sharks, then they are at least helping small corporations to have better credit access."

“现在要判断出小额信贷领域中哪些是输家，哪些是赢家，还为时过早。”麦格理证券(Macquarie Securities)的银行业分析师王瑶平(Victor Wang)表示，“但如果这些公司能作到诚信经营、不演变成高利贷，那它们至少是在帮助小型企业获得更好的融资渠道。”

译者:何黎

【人人贷:网络借贷安全否?】相关文章：

★ 终于有“大姨妈”表情包了！以后讨论经期不用害羞啦

★ 大学生空腹豪饮的趋势令人担忧

★ 中国驻外使馆开通支付宝和微信支付

★ 心理学上，人为何会有色彩偏好

★ 为何实习机会那么不公平?

★ 五招帮你减少室内毒害

★ 快来看看自己的睡姿是否正确?

★ 英黑人夫妇产白肤金发儿子

★ 3D身材扫描仪 帮你挑选合身牛仔裤

★ 奇迹就在你周围