但是现在,这种不切实际的想法即将被颠覆。没错,如果看看美国各大P2P平台上——如Lending Club和Prosper Marketplace——贷款方的介绍,你还是会看到富有的“夫妻店投资者——在当今的低利率时代,对高回报率的期待把他们吸引到互联网平台上。自2009年以来,大型P2P平台贷款产生的收益率在5%至9%之间。
But those plucky individuals are in a minority — and a shrinking one. These days, four-fifthsof the finance on P2P platforms [all of them? says just Lending Club in source i can find ourstory dated December 14.2014]comes from institutions, such as hedge funds, or arms of theestablished banks.
但是,大胆的个人投资者毕竟是少数——而且越来越少。如今,P2P平台上五分之四的资金来自机构,如对冲基金,或者老牌银行的分支。
Indeed, hedge funds and banks are now moving into this sector with such a vengeance thatthey are not only repackaging those P2P loans into new instruments, via securitisation; they arelending via these platforms too.
的确,对冲基金和银行正在大张旗鼓地进入P2P领域——不仅通过证券化把P2P贷款重新包装为新的金融工具,还通过这些平台从事贷款业务。
Earlier this year, for example, Citigroup agreed a $150m tie-up with Lending Club, to financeloans. Citizens Bank has bought $200m of loans from SoFi, a big student loan-focusedmarketplace lender, and committed to buy $300m more. Instead of thumbing their nose atbanks, in other words, P2P lenders are co-opting them, if not being co-opted too. In financialterms, this is like Uber quietly cutting deals with established taxi companies.
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