Purpose of the paper: With the development of web 2.0, a new kind on lending is taking place on the Internet, termed peer to peer lending or social lending.
本文之目的：2.0网站的开发，提出了一种对贷款发生在互联网上，称为点对点借贷或社会借贷。
A less familiar tack is to shop for a loan at an online peer-to-peer lending site.
有一个大家不大熟悉的方法是通过点对点借贷网在线借款。
Peer-to-peer lending platforms.
点对点的借贷平台。
The rise of Chinese mobile payments has been driven by the explosive growth of online shopping as well as internet financial services such as peer-to-peer lending and online money market funds.
中国移动支付的流行，得益于在线购物以及网贷、在线货币市场基金等互联网金融服务的爆炸性增长。
China's growth in peer to peer, or P2P, lending has been strong, with Morgan Stanley estimating volumes last year totaled $33.2 billion, surpassing the United States.
中国的个人对个人（简称P2P）借贷的增长势头一直很强劲，据摩根士丹利估计，去年的总借贷额已超过美国，达到332亿美元。
Peer-to - peer (P2P) lending has come a long way in a short space of time.
个人对个人借贷(P 2 P借贷)在短短的时间内已经走过了很长的一段路。
Yet in the case of peer-to-peer lending, lenders are dependent on the credit ratings from the lending club's proprietary models to decide to extend a loan and the rate to accept.
而在P 2 P的例子里，贷款人依赖于贷款俱乐部自营模型提供的贷款评级，来决定要加大的贷款和可接受的利率。
Peter Renton is an expert on the growing peer-to-peer lending industry and the founder of lend Academy, the leading source of educational materials on the industry.
P 2 P借贷近年来不断增长，行业先锋资讯LendAcademy的创始人彼得·伦顿无疑是这个领域的专家。
They say money is power, but I never experienced such intoxicating power until I started investing in peer-to-peer lending.
有人说金钱就是权力，但是在进行P 2 P借贷之前，我从未体验过这种令人陶醉的权力。
If all the lending is done by a handful of large institutions, rather than crowds of individual, it is no longer peer to peer.
如果所有的贷款都由一小撮大型机构完成，而非个人群体，那么这种借贷形式也难以称为是“人际之间”了。
In peer-to-peer lending, lenders are provided limited financial documentation about the borrower.
在P 2 P借贷中，贷款人为借款人提供非常有限的金融书面文件。
Remarkably, peer-to-peer lending has all of those key ingredients.
值得注意的是，P 2 P借贷已具备了以上所有关键要素。
The new FCA regulations also cover so-called peer-to-peer lending, where companies such as Zopa link savers, or "lenders", directly with borrowers in exchange for a cut of the interest.
金融监管局的新法规也覆盖了P2P贷款，其中如Zopa这样的公司将储户，或“贷款人”，与借款人直接联系起来，以换取利益的抽成。
Peer-to-peer lending has higher yields, lower defaults, and shorter duration than junk bonds.
P2P贷款相比垃圾债券，有更高的收益率，更低的违约率，和更短的存在时间。
Key results: we find that although web2.0 permits platform models, most sites (commercial or micro-lending) have retained intermediary roles and have not permitted direct peer to peer contact.
主要结果：我们发现，尽管web2.0允许平台模型，大多数网站(商业或小额贷款)有保留，不允许中介作用直接点对点的接触。
Key results: we find that although web2.0 permits platform models, most sites (commercial or micro-lending) have retained intermediary roles and have not permitted direct peer to peer contact.
主要结果：我们发现，尽管web2.0允许平台模型，大多数网站(商业或小额贷款)有保留，不允许中介作用直接点对点的接触。
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