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  3. 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2023-08-20  21
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] The cooperation between Zopa and Uber has______.
选项 A、created a new way of P2P lending
B、helped drivers to buy their new cars
C、raised the P2P lending interest rates
D、posed risks for other P2P companies
答案 A
解析 事实细节题。该段指出，而最重要的可能是，今年五月，“人人贷”借贷平台佐帕宣布与优步合作首次介入担保贷款，英国的优步司机可以通过佐帕借款购买汽车，只要用车辆本身作担保即可。可见，这次合作创造出了一种新的“人人贷”借贷方式，故答案为A)。B)“帮助司机购买新的汽车”，该段第二句提到，只有使用优步的司机才可以使用，B)说法过于笼统，故可排除；C)“提高了‘人人贷’借贷的利率”，文章最后一段分析“人人贷”借贷的风险时说，当利息提高时，信贷源就会干涸，但并没有把这次合作与利率升高建立任何逻辑联系，故可排除；D)“给其他‘人人贷’借贷公司带来风险”，文中没有提到这次合作对其他“人人贷”借贷公司的影响，故可排除。
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