Legitimate P2P internet lenders are slowly achieving critical mass in China, with the support ofregulatorsfrustrated by the banks’ reluctance to lend to small borrowers. Many smallenterprises are in the service sector, so they lack the collateral that banks demand. Inaddition, the internet lenders have created a virtual infrastructure, including a credit bureauset up by the Alipay unit of Alibaba, that is comparable with or even superior to that oftraditional banks. And while they still account for a tiny percentage of Chinese credit flows,these firms are now being taken seriously by banks as gargantuan as HSBC.
在中国,合法互联网P2P贷款机构的发展正慢慢迎来爆发的那一刻,因为它们得到了监管机构的支持,监管机构对银行不愿放贷给小借款人感到失望。许多小企业是干服务业的,所以它们拿不出银行要求的抵押品。另外,互联网贷款机构创建了一种虚拟基础设施,其中包括阿里巴巴(Alibaba)旗下的支付宝(Alipay)建立的一个征信机构,该机构可与传统银行的同类机构相媲美,甚至比它们还要好。尽管互联网P2P贷款机构仍然只占中国信贷流的很小一部分,但这些机构现在已开始受到汇丰(HSBC)等超大型银行的重视。
More importantly, as P2P lenders gain scale, they are not only changing the way credit works,they also are making Chinese mainland a fairer place and generating jobs that would otherwise notexist. They are also helping the country as it moves away from investment-intensive, export-driven manufacturing to a new, more environmentally friendly template that is based onproviding services to the domestic market.
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2020-09-15
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