例如,今年早些时候,花旗集团(Citigroup)与Lending Club签署一项价值1.5亿美元的贷款融资合作协议。美国国民银行(Citizens Bank)从专注学生贷款市场的大型网贷平台SoFi购买了2亿美元贷款,并承诺再购买3亿美元。换句话说,P2P贷款平台非但没有对银行嗤之以鼻,反而要么拉拢银行、要么被银行拉拢。这就好比Uber与出租车公司悄然达成协议。
Does this matter? The answer to that question depends on what you think the main priorityfor modern finance should be. If you think that the system needs to provide more credit to theeconomy, in order to to boost growth, this quiet transformation should seem welcome.
这有关系吗?答案取决于你对现代金融的首要任务怎么看。如果你认为金融体系需要为经济提供更多信贷以刺激增长的话,这种悄然转变似乎应该受到欢迎。
After all, the arrival of banks and hedge funds will enable the sector to expand more rapidly.And borrower demand seems sky high; PwC predicts that P2P lending will swell to $150bn by2025, from $5.5bn in 2014.
毕竟,银行和对冲基金进入有利于该行业更快扩张。而且借款人的需求似乎非常旺盛;普华永道(PwC)预计,到2025年,P2P网贷规模将由2014年的55亿美元暴增至1500亿美元。
But if you think that the main goal of finance should be to create safe, clear rules for capitalflows, then this pattern might also make you weep. If you ask bankers why they are movinginto P2P lending, some will point to the high returns they hope to earn (since the average loancommands an interest rate of around 13 per cent, margins are high). Others will cite the needfor banks to copy clever technology ideas and become more entrepreneurial.
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