The share values of both Qudian and Ppdai were also hit earlier in the month by allegations they had misrepresented their business models.

趣店和拍拍贷的股价在本月早些时候就曾受到打击，原因是它们被指对自己的商业模式有不实陈述。

Investors have shown strong interest in fintech despite Beijing’s regulation of the sector, with some of the most valuable IPOs in New York and Hong Kong this year driven by Chinese fintech.

尽管北京方面对该行业进行监管，但投资者对金融科技板块表现出强烈兴趣，今年纽约和香港一些最大的IPO就是由中国金融科技企业进行的。

Over the past year, companies such as Xiangyuan Culture Group, a Shanghai-listed entertainment and leisure company, and Renhe Pharmacy Group, a Shenzhen-listed firm, announced plans to spin off an online micro-lending unit.

还有一些公司在过去一年宣布了设立在线小额贷款业务的计划，如上海上市的娱乐休闲公司祥源文化以及深圳上市的仁和药业(Renhe Pharmacy Group)。

China has seen its fintech sector grow rapidly as consumers increasingly turn to online platforms seeking credit. China does not have a standard credit rating system, making it difficult for borrowers and small businesses to receive loans.

随着消费者越来越多地转向在线平台寻求信贷，中国的金融科技行业迅速成长。中国没有一个标准的信用评级体系，使得借款人和小企业难以获得贷款。

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