About 40 per cent of consumers in China make payments online, and 14 per cent have gone on the web to borrow money, according to DBS.
星展银行(DBS)数据显示,中国约有40%消费者在网上进行支付,同时有14%上网借钱。
Yet fintech’s fast growth has prompted a reactionary wave from financial regulators, who have tightened scrutiny this year after a spate of fraud and financial collapses within the peer-to-peer lending space. The new oversight body includes China’s central bank and banking regulators.
然而,金融科技的快速增长引发了金融监管机构的反弹。在P2P贷款领域发生一连串欺诈和财务崩溃事件后,监管机构今年加强了关注。新的监督机构由中国央行和银行业监管机构组建。
“These are not companies with natural segues into the lending world so one of the natural worries is no one knows where this money is going,” said Prof Balding.
“这类公司并没有进入贷款业务的天然使命,所以人们的一个担心就是没有人知道钱的去向,”北京大学汇丰商学院的鲍尔丁教授表示。
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