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  3. Marketplace or peer-to-peer(P2P)lending matches borrowers and lenders on low-cost online platforms. By skirting banks, P2P lendi

Marketplace or peer-to-peer(P2P)lending matches borrowers and lenders on low-cost online platforms. By skirting banks, P2P lendi

admin2016-03-08  31
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.
What’s the purpose of the author in writing this passage?
选项 A、To introduce some recent changes in lending market.
B、To analyze the risks of investing with P2P platform.
C、To call for banks’ attention to the development of P2P.
D、To forecast the possible difficulties P2P lending may face.
答案A
解析 推理判断题。作者在第一段首先介绍了“人人贷”借贷的概念和内容；第二至六段从各个不同的角度介绍了这种新的金融信贷方式的发展；最后一段指出它可能面临的一些困难和问题。总体看来，作者主要是从客观的角度对“人人贷”借贷进行了介绍和分析，故A)为正确答案。B)“分析‘人人贷’借贷平台投资的风险”只能概括文章的部分内容，不够全面，故可排除；C)“呼吁银行注意‘人人贷’借贷的发展”，作者只是提到目前银行还没有意识到应该对“人人贷”借贷如何进行回应，但并没有任何呼吁性的文字，故可排除；D)“预测‘人人贷’借贷可能面临的困难”，作者只在最后一段简单提到“人人贷”借贷可能面临的一些风险和困难，但并没有进行详细的分析，故可排除。
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