When the concept of “peer-to-peer lendingpopped up a decade ago, libertarians and leftwingidealists alike cheered. For the idea of using the internet to match borrowers who needed cashwith lenders seemed to epitomise the sharing economy.
10年前“个人对个人(peer-to-peer,简称P2P)贷款突然兴起时,自由主义者和左翼理想主义者都为之欢呼。这是因为,利用互联网为需要资金的借款者与贷款者牵线搭桥似乎带有“分享型经济的特征。
What made P2P sound doubly exciting — at least in the aftermath of the 2008 crisis — was thatthese platforms also appeared to thumb a nose at the banks. Or, to use the technical term,P2P threatened to “disintermediate mainstream finance, in a democratic way.
令P2P听起来更加激动人心的是——至少在2008年经济危机之后的一段时期里——这些平台似乎也对银行嗤之以鼻。或者,用专业术语来说,P2P以民主的方式威胁着将主流金融“去中介化。
But that utopian ideal is starting to be turned upside down. True, if you look at the profile ofwho is providing loans on America’s biggest P2P platforms today, such as Lending Club andProsper Marketplace, you will still see wealthy “mom and pop investors, attracted by the hopeof good returns in a low interest rate world. Since 2009 loans on the big P2P platforms havegenerated yields of between 5 and 9 per cent.
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