A study just published by Axel Meyer, Thomas Elbert and their colleagues at the University of Konstanz in Germany, however, points to a phenomenon called epigenetics as the likely answer.

然而，德国康士坦茨大学的Axel Meyer, Thomas Elbert以及他们的同侪们最近发表的研究报告指出，一种被称为“外因遗传”的现象很有可能就是这个问题的答案。

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"It's not going to replace traditional bank lending anytime soon, but it will be an alternative for some, " says Dr. Thomas Meyer, an economist at Deutsche Bank Research in Frankfurt, Germany, and author of a research note on person-to-person online lending.

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