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P2P Lending

Haveyou always thought it’s tough getting a business loan from the banks? Whether it's for starting a startup, increasing cash flow or buying property,have you found that banks haven't really been helpful, flexibleor even understanding of your business which ends up with you being turned away?

大家知道吗？企业从银行借款并不容易。而如果你正在创业，打算开设自己的公司，或者你想增加资金流动，还是购买一种资产，你是否有这样的感觉，通过银行得到一笔商业贷款有些费劲呢？

你有没有觉得有时候银行对你来说并不是那么有帮助，它也没有那么地灵活，甚至即使在银行理解你的生意时，但因为琐碎的流程而你最终选择了离开？

分享&整理| Nina 王楠

Ledge第六届上海翻译官训练营-优秀学员

指导|Judie Pan

Ledge黄埔二期学员，香港中文大学翻译硕士，上外语言学学士，名校金融学学士，现为知名证券机构-某研究所英文研究产品经理

分享地点| Ledge金融和国际前沿智库群

Well, there is a better solution!

不用担心，还有更好的解决方案可用。

Didyou know there are other ways to raise the finance you need for your business other than using conventional methods via the banks?

比起这种通过银行筹集资金的传统方式来讲，你是否知道其他万博体育全站APP的方式呢？

　　I would like to introduce you to Peer to Peer Lending, this is a real alternative way to fund your business.

　　现在，就给大家介绍——通过点对点借贷网在线借款 的这样一个模式，这是另外一种为你的生意筹集资金的办法。

Let's go to the first question.

　　What is P2P Lending?

　　那么，什么是点对点借贷呢？

　　Peerto peer lending goes by many names. It is also called social lending, person-to-person lending or p2p lending.It can be defined in this simple way:万博全站 individuals lending money to other individuals without a banking intermediary.

　　它也可以被称作，社交借贷、个人间借贷或者网络借贷。它可以简单地定义为：一个个体直接借钱给另一个个体，中间不通过银行。

　　There is no need for borrowers to obtain loans from a bank any more when they can turn to their peers.

　　在这种模式下，对于借方，他们再也不需要通过银行来进行借贷，而是转向身边的人。

　　In fact, for companies, they borrow money from P2P often with a higher interest rate while the banks offered the lowest one. So why do they still borrow money through P2P lending platform? Because those companies cannot pass the bank examinations.

　　而事实上，对于企业来说，从P2P借款的利率要更高，最低的是银行，其他都是次选。他们之所以会从P2P借，是因为没法通过银行的审查。

　　Basically,it involves people with money (investors) lending to people who need money (borrowers). Obviously this is something that has taken place since the invention of money thousands of years ago.

　　基本上来讲，peer to peer lending 就是投资者借钱给借方，也就是有钱的人借钱给需要钱的人。很明显，这种模式在几千年前，货币诞生的那一刻起，就已经发生了。

　　Today,with the explosive growth of the Internet and online social networks, this concept has been brought online. So now, borrowers can borrow money from people they have never met and investors can lend money to many anonymous borrowers just based on their credit information.

　　只不过，如今，随着网络技术和在线社交网络的爆炸式增长，P2P Lending 就在网络上兴起了。所以现在呢，借钱的人就可以向一个从来都素未谋面的人来借钱，而投资者们呢，在网络上出借给一些匿名的人，仅仅基于对方的信用信息。

　　How did P2P Lending develop?

　　既然个人借贷很久就产生了，那么它是什么时候在网络上发展起来的呢？

　　P2Plending originated in the UK and was developed in the US, before reaching a peak in China.

　　P2P Lending 起源于英国，发展于美国，最终在中国到达顶峰。

　　InMarch 2005, British entrepreneurs Richard Dewar, Sarah Mathews, JamesAlexander and David Nickerson co-founded Zopa, the world’s first online lending website serving as an information exchange platform for small businesses and individuals seeking funding sources.

　　2005年3月，英国4位企业家，理查德·杜瓦、詹姆斯·亚历山大、萨拉·马休斯和大卫·尼克尔森，在英国伦敦创办了全球第一家P2P网络借贷平台Zopa（Zone of Possible Agreement的缩写，意为“可能达成协议的地带”）。同时，Zopa还为寻找资金渠道的小型企业、个体户提供了一个众人参与的信息交流平台。

　　P2Plending debuted as a new business model. Later on, two similar sites, Prosper Market Placeand Lending Club, emerged in the US in 2006 and 2007, respectively. They claimed the lion’s share of the American P2P market.

　　P2P Lending 以一种新的业务模式展现在世人面前。随后，两家相似的P2P网络借贷平台 Prosper Market Place和Lending Club分别在2006年和2007年在美国成立。他们占有了美国P2P市场的最大一份额。

　　Inspired by P2P platforms in the US, Ppdaiwent online in June 2007 as the first P2P lending website in China. It was followed by the emergence of a number of major online lending platforms of a similar type, including Hongling Capital, Renrendai andLufax.

　　在美国P2P平台的启发下，我国第一家P2P网络借贷平台——拍拍贷 在2007年6月上线了。其后数年间，此类平台增长缓慢，不太受关注。直到2010年，不少创业人士才认为其中或有商机，陆续试水。

　　Theindustry as a whole entered the “fast lane” and developed rapidly. From 2012 onward, the Chinese P2P industry has enjoyed exponential growth with multifold increases across all main indicators such as the number of investors, borrowers, platforms and business turnover.

　　在2011年，总的来说，整个行业都赶上了发展的快车道，一批有着类似经营模式的P2P网络借贷平台上线。2012年进入爆发期，整个中国P2P行业呈现指数增长，包括它的多种主要指标，比如投资者量、借款方数量、平台数量和营业额都在飞速上升。据不完全统计，当年交易额逾百亿。

　　By the end of 2011, 50 providers were reported to be operating and this had climbed to over 1500 providers by the end of 2014.

　　2013年进一步繁荣，每天有1到2家上线，目前最著名的有红岭创投、陆金所、友信（人人贷）、宜信（宜人贷）、拍拍贷、有利网。直到2014年呢，平台数量就超过了1500家。

　　但平台数量大增就是一件好事吗？

　　更多精彩，且听下回，以ledge黄埔二期学徒李凌翔同学饰演主人公的【翔租宝骗局分晓】～