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
2016-03-08
36
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 can we learn about P2P Global Investment PLC?
选项
A、It is the largest investment company in London.
B、It has been raising huge fund for P2P lending.
C、It has combined with a few famous companies.
D、It has a well-known economist as its manager.
答案
B
解析
事实细节题。由定位句可知,“人人贷”借贷出价最高的集团借贷方,“人人贷”环球投资公司PLC去年在伦敦上市。它已经筹集了5亿英镑资金,今年的目标是翻番,可见,它一直为“人人贷”筹集巨额资金,故答案为B)。A)“它是伦敦最大的投资公司”,定位句虽然说这个公司筹得巨额资金,但并没有把它与其他投资公司进行比较,故可排除;C)“它合并了几家知名的公司”,这是对该段最后一句的曲解,原文的意思是,“人人贷”环球已经获取了几家知名公司的担保和普通股选择权,但并未提到合并的问题,故可排除;D)“它找了一个著名的经济学家任经理”曲解了第五段有关Neil Woodford的内容,这位基金经理并没有担任“人人贷”环球投资的经理,只是被用来作为例证说明金融界著名投资人对“人人贷”借贷的积极态度,故可排除。
转载请注明原文地址:https://kaotiyun.com/show/ezL7777K
0
大学英语六级
相关试题推荐
AsanimmigranttoNorthAmerican,youwillneedtoensurethatemployersandorganizationssuchascollegesanduniversitiespr
AsanimmigranttoNorthAmerican,youwillneedtoensurethatemployersandorganizationssuchascollegesanduniversitiespr
Homeschoolingisajointeffort.Eventheworkingfatherneedstobe【C1】______withtheteachingofchildren.I’vediscoveredo
A、Becausehewasenergetic.B、Becausehewashard-working.C、Becausehewroteanastonishingnumberofbooks.D、Becausehethoug
A、About116schoolsaroundtheworldnowoffercoursematerialsfreeonlinetothepublic.B、OpenCourseWareonlyoffersmateri
AreTeenagersReallyCarelessAboutOnlinePrivacy?[A]Theyshare,like,everything.Howtheyfeelaboutasong,theirmathshom
AreTeenagersReallyCarelessAboutOnlinePrivacy?[A]Theyshare,like,everything.Howtheyfeelaboutasong,theirmathshom
A、It’sareliablewaytomakefriendsonline.B、Itisconvenienttogetintouchwiththeirparents.C、Itisregardedasawayo
随机试题
群体极化
A、进食时饱嗝B、进食时有哽噎感C、进食后呕吐D、进食后胸腹痛E、进行性吞咽困难食管癌典型症状为
正常产褥不可以出现:
能力验证的样品制备不能采用外包形式。()
企业收入总额中属于不征税收入的是()。【2008年真题】
企业在特定商品转让给客户之前不控制该商品的,企业为主要责任人。()
对于经过系统治疗在康复期中的精神病患者,心理咨询师()。
《党政机关公文处理工作条例》是党政机关公文工作的法规性文件,下列违背这一文件精神的是:
把这一边、那一边的景致合在一起儿看也许太________了,有一道回廊隔着,让一部分景致留在想象之中,才见得繁简适当,可以从容应接,这是园林里回廊的妙用。填入画横线部分最恰当的一项是:
Researchershavefoundexperimentalevidencethatatouchcanbeworthathousandwords.MatthewJ.Hertenstein,aprofessorof
最新回复
(
0
)