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
39
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
A、Davidneedstobalancehistimewithasociallife.B、Davidisfallingbehindhisfriendsinschool.C、Davidisworkinghardu
A、Theartistsgotfedupwithcountryscenes.B、TheAmericansocialconditionhadchanged.C、Theinterestsofartistshadshifte
A)Reduce,reuse,andrecycle.RecyclinghasbecomeapartofAmericanlife.Italsoisanimportantpartofthewaste-processing
Homeschoolingisajointeffort.Eventheworkingfatherneedstobe【C1】______withtheteachingofchildren.I’vediscoveredo
A、Twenty.B、Twenty-four.C、Twenty-six.D、Twenty-eight.C推断题。根据题干中的datahavebeenanalyzed可知文中提到ThestudybytheUniversityofOx
A、Astudentintheuniversity.B、Apolicemanwhochargesthiscase.C、Thepresidentoftheuniversity.D、Ateacherintheuniver
A、Becausetheywanttoincreasetheirworkingexperience.B、Becausetheydonotyetknowwhatkindofpermanentjobtheywant.C
A、It’sareliablewaytomakefriendsonline.B、Itisconvenienttogetintouchwiththeirparents.C、Itisregardedasawayo
OnNovember16thanumberofwell-knownmusicianswereonhandtohelpmarkthelaunchofGoogle’snewonlinemusicservice.Al
OnNovember16thanumberofwell-knownmusicianswereonhandtohelpmarkthelaunchofGoogle’snewonlinemusicservice.Al
随机试题
A.2.0~3.0L/分钟B.25%.~35%.C.28%.~30%.D.1.0~2.0L/分钟E.3.0~4.0L/分钟
A.柴胡疏肝散B.滋水清肝饮合鳖甲煎丸C.逍遥散合桃红四物汤D.茵陈术附汤E.茵陈蒿汤合鳖甲煎丸原发性肝癌之肝肾阴虚证治宜
悬垂型杆塔分为悬垂直线和悬垂转角塔,对于标称电压为220kV和500kV的线路,其转角度数分别要求为下列哪项数值?
管桩内除土应根据土层、管桩入土深度及施工具体条件,选取适宜的除土方法。适合采用空气吸泥机的土层是()。
大型群众性活动由于人员高度聚集、涉及单位部门较多导致安全管理容易出现盲点,2014年12月31日,上海外滩聚集了众多游客跨年,引发了拥挤踩踏事件,造成36人死亡,49人受伤的严重后果。下列不属于大型群众性活动特点的是()
小敏(无民事行为能力人)在幼儿园期间从滑梯上摔下,摔伤了胳膊,对此幼儿园应当承担()。
下列关于看涨期权的说法中,正确的有()。
1954年12月,毛泽东在一次党内外人士座谈会上指出,政协仍有存在的必要,但是我们不能把政协搞成国家权力机关,此话的主要背景是()。
(2017年真题)简述移情对儿童亲社会行为的发展的影响。
Thebiggestthreatfacingairlinestodaymaynotbeaterroristwithagun,butthemanwiththeportablecomputerinbusiness【
最新回复
(
0
)