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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2024-04-10  16
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。
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