首页
登录
职称英语
Marketplace or peer-to-peer(P2P)lending matches borrowers and lenders on low
Marketplace or peer-to-peer(P2P)lending matches borrowers and lenders on low
游客
2023-08-16
33
管理
问题
Marketplace or peer-to-peer(P2P)lending matches borrowers and lenders on low-cost online platforms. By skirting banks, P2P lending allows borrower and lender alike to achieve better rates of interest. Essentially, P2P lending is a way of capitalizing on the network effect of social media and the volumes of data generated therein to allow cheaper access to capital.
According to Liberum, P2P lending in the U. K. will grow at 98 percent year-on-year in 2015, with £3.5 billion presently lent out. Worldwide in 2015, it’s estimated that $77 billion will be lent via P2P platforms— $60 billion China, $12 billion U. S. A. and $5 billion U. K. Morgan Stanley’s Huw Steenis says, "While marketplace lending is still about 1 percent of unsecured consumer and SME lending in the U. S. , we think it can reach approximately 10 percent by 2020... We forecast the global market to grow to $150 - $490 billion by 2020. " As Liberum’s Cormac Leech says, "We are witnessing the biggest changes to the banking sector for 400 years. "
P2P lending offers huge opportunities, mainly at the expense of banks, whose biggest margins are traditionally in unsecured lending. Herein is the layer of fat P2P platforms are guzzling(大肆掠食的), picking off the banks’ best customers. P2P platforms have also proved superior at harvesting and managing big data, and have lower cost bases than banks.
A significant development is that institutional money is now alighting. The largest quoted institutional P2P lender, P2P Global Investment PLC, floated in London last year. It has raised nearly £500m and aims to double that this year. As a reward for lofting "transformational" amounts of cash on to various platforms, P2P Global has been accumulating warrants and options on their equity, notably Ratesetter, Zopa, Direct Money and Lending Works.
In a twist to this development, Neil Woodford, Britain’s most famous fund manager, recently upped his stake in P2P Global. Last August Woodford sold out of HSBC, fearing "fine inflation". This seems a ringing endorsement of this disruptive but nascent(初期的)sector.
Perhaps most significantly, in May this year, Zopa, the P2P platform, announced its debut in secured(most P2P lending is unsecured)lending by collaborating with Uber. Uber drivers in U. K. will be able to borrow via Zopa to buy their cars, with loans secured against the cars themselves.
Of course, the sector presents risks. The credit dry-up when interest rates rise. A P2P platform may go bust. But some investors, refugees from the banking sector perhaps, will simply like the idea of being on the right side of regulatory and technological upheaval(突变). And when the banks finally understand, how will they react? Who knows? So far, none of them have. [br] What is the author’s attitude towards the future of P2P lending?
选项
A、Pessimistic.
B、Optimistic.
C、Wait-and-see.
D、Indifferent.
答案
C
解析
观点态度题。定位句提到,“人人贷”也是存在风险的,银行一旦意识到“人人贷”的威胁会如何回应呢,没人知道,目前还没有一家银行有所动作。可见,作者对“人人贷”的未来发展也没有确定的观点,有待观察日后银行可能做出的反应,故C)为正确答案。A)“悲观的”,作者虽然在最后一段分析了“人人贷”可能面临的问题和挑战,但之前的段落也大量介绍了“人人贷”迅猛的发展势头,可见,作者的态度不悲观,故可排除;B)“乐观的”,根据上文分析可知,作者的态度显然也不是完全乐观的,故可排除;D)“漠不关心的”,作者花了大量的篇幅介绍“人人贷”这一新生事物,并讨论它未来发展中可能面临的困难,因此不能是漠不关心的态度,故可排除。
转载请注明原文地址:https://tihaiku.com/zcyy/2932369.html
相关试题推荐
Marketplaceorpeer-to-peer(P2P)lendingmatchesborrowersandlendersonlow
Marketplaceorpeer-to-peer(P2P)lendingmatchesborrowersandlendersonlow
Marketplaceorpeer-to-peer(P2P)lendingmatchesborrowersandlendersonlow
Marketplaceorpeer-to-peer(P2P)lendingmatchesborrowersandlendersonlow
Marketplaceorpeer-to-peer(P2P)lendingmatchesborrowersandlendersonlow
Weusuallythinkofpaydaylenders,pawnshops(典当行)andotherhigh-costloan
Weusuallythinkofpaydaylenders,pawnshops(典当行)andotherhigh-costloan
Weusuallythinkofpaydaylenders,pawnshops(典当行)andotherhigh-costloan
Weusuallythinkofpaydaylenders,pawnshops(典当行)andotherhigh-costloan
Weusuallythinkofpaydaylenders,pawnshops(典当行)andotherhigh-costloan
随机试题
[audioFiles]audio_eusz200712_001(20091)[/audioFiles]A、Toprotectherfromgetti
TheAmericanideaofrespectinghumanrightscamefromseveralsources.Fir
习近平总书记在文艺工作座谈会上的讲话提出在社会主义核心价值观中,最深层、最根本、
()属于反向市场。A、期货价格高于现货价格 B、期货价格低于现货价格 C、
主要功能是教育培养人才的组织是A药学教育和科研组织 B事业性药房组织 C药事
企业在成立初期,培训力量应集中于( )。A.组建管理团队 B.提高创业者的营
期货交易的当日收盘价格即为当日结算价。()
波形和频率等物理学特性影响。下列匹配中错误的包括()。多选A.响度一振幅
能诱导UDP-葡萄糖羧基转移酶合成从而减轻黄疸的药物是A.阿司匹林 B.青霉素
在建设工程施工过程中,因施工单位原因造成实际进度拖延,监理工程师确认施工单位修改
最新回复
(
0
)