A few months ago, a small entrepreneur in Nanjingwho makes cheap souvenirs sold in Chinese railway stations and local airports borrowed amodest sum from an internet loan shark to pay his staff as his business slowed and cash flowdried up. Although the terms were punishingly high — 1 per cent per day — he thought theslowdown would prove temporary. But the debt crippled him and he was forced to shut downhis small enterprise.
几个月前,南京一名小企业主从一家互联网高利贷机构借入了一笔不大不小的资金,用来给员工开工资。他的企业是生产在中国火车站或机场出售的廉价纪念品的,他去借那笔钱是因为业务放缓、现金流枯竭了。尽管对方开出的利率极高——日息1%——但他当时认为,业务放缓将是暂时的。结果这笔债务拖垮了他,他被迫关掉了自己的小企业。
Today there are more than 2,000 peer-to-peer lenders in China. Some of them are outrightfrauds, enticing lenders to hand money to non-existent borrowers. Others are loan sharks,charging exorbitant interest to customers desperate for short-term funds, as in Nanjing. Andothers extend credit on reasonable terms to small and medium enterprises, and individualentrepreneurs, who are either too insignificant or too iffy for the banks.
如今,中国已有逾2000家个人对个人(P2P)贷款机构。有些P2P纯属诈骗性质,它们引诱资金出借人把钱“借给子虚乌有的借款人。有些P2P是高利贷机构,向渴求短期资金的客户收取高得离谱的利息,比如南京的那个例子。还有些P2P以合理的条款向中小企业和小企业主发放信贷——在银行眼中,这两个群体要么就是无足轻重,要么就是太不可靠。
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2020-09-15
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