首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
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
admin
2017-01-21
52
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.
Liberum’s data quoted in Paragraph Two indicates that______.
选项
A、P2P platform offers huge opportunities for banks
B、P2P lending attracts the old customers of banks
C、P2P has seized most share of the financial market
D、P2P lending has been experiencing fast booming
答案
D
解析
推理判断题。定位句分别是利博兰经济公司对“人人贷”在2015年年度增长的预估数据和2015年“人人贷”在各主要经济大国的预估借贷数据,本段最后一句还说,我们正在见证400年来银行界最大的变化,可见,这些数据是在显示“人人贷”这个新兴金融板块的快速发展,故答案为D)。A)…人人贷’平台为银行提供了大量的机会”,这些数据并没有提到“人人贷”与银行的关系,而从后文我们也可了解到这两者之间为竞争关系,故可排除;B)“‘人人贷’吸引了银行的老客户”,本段的数据中并没有表明“人人贷”与银行之间进行竞争,故可排除;C)“‘人人贷’抢占了大部分金融市场”,数据只显示了“人人贷”自身的发展,并没有比较它和传统银行业的市场份额,故可排除。
转载请注明原文地址:https://kaotiyun.com/show/JvF7777K
0
大学英语六级
相关试题推荐
A、TheyareancestoroftheAsianpeople.B、TheyhavealwaysbeeninAmerica.C、TheyareofMongoloidrace.D、Theyimmigratedto
Agroupofspermwhalesappeartohavetakeninadeformedbottlenosedolphin,marineresearchershavediscovered.Behaviora
MoreandmorepeoplearetakingtheirtabletcomputerstobedtosurftheweborcheckFacebookore-mailsbefore【B1】_____thel
MoreandmorepeoplearetakingtheirtabletcomputerstobedtosurftheweborcheckFacebookore-mailsbefore【B1】_____thel
Themostwell-knownportraitofawomanintheworldisoverthemoonliterally.RecentlyNASAmanagedto【B1】______animageoft
Themostwell-knownportraitofawomanintheworldisoverthemoonliterally.RecentlyNASAmanagedto【B1】______animageoft
A、Birthdayalwaysremindsherofherage.B、Shedoesn’twantanythingforbirthday.C、Themanremindsherofherbirthday.D、She
A、Theyknewtheanswersbeforehand.B、Theywereallowedtorefertotextbooks.C、Theycheatedintheexam.D、Theypossessedgood
A、Childrenwhohadnotspokenbeforeage2.B、Childrenwhodidnotusephrasesbefore18months.C、Childrenwhohadnotspokenb
A、Chosesomepensandpencils.B、BargainedwithMr.Stevensonabouttheprice.C、Promisedthattheywouldcomebackagain.D、Wal
随机试题
我戍未定,靡使归聘。戍:归聘:
动物饥饿后摄食,其肝细胞主要糖代谢途径
婴儿口腔保健内容里没有
水泥基复合保温砂浆系统的验收项目为:()
房地产经纪人在新建商品房现场销售时,引导客户填写调查表的目的有()。
关于向战略投资者配售,下列说法正确的是()。
2014年3月5日,机床生产商甲公司向乙公司出售机床20台,每台20万元。乙公司因资金周转困难,欲向丙银行贷款400万元,并与甲公司约定:“仅在乙公司的400万元银行借款于2014年6月2日前到账时,机床买卖合同始生效。”2014年4月2日,乙公
领导交给你和同事等四人一项工作.让你们分头去做,工作结束后领导只表扬你一个人。其他参与工作的同事开始有意疏远你。你该怎么办?
“任何人不得强迫自证其罪”是联合国《公民权利和政治权利国际公约》的重要内容,沉默权制度是该原则在警察讯问中的直接体现。沉默权人法,虽可能妨碍到惩治犯罪,但不应过分夸大沉默权的弊端或因噎废食。从欧美诸国的经验来看,通过制度引导,完全可使被追诉人打破沉默,开口
六一节快到了。幼儿园老师为班上的小明、小雷、小刚、小芳、小花5位小朋友准备了红、橙、黄、绿、青、蓝、紫7份礼物。已知所有礼物都送了出去,每份礼物只能由一人获得,每人最多获得两份礼物。另外,礼物派送还需要满足如下要求:(1)如果小明收到橙色礼物,则
最新回复
(
0
)