一个理由是“交易对手风险”——买者或卖者无法履行义务——造成的巨大威胁。
One reason is the broad threat of "counterparty risk" -the possibility that a seller or buyer cannot meet its obligations.
当交易对手风险较低时,这看起来是个好主意,但是可能是一种突然并且明显的改变。
This may seem like a good idea when counterparty risk is low, but that can change abruptly and dramatically.
所有的交易都是通过中央平台进行清算,而不是直接借给借款者,这就减少了对手风险。
Rather than lending directly to borrowers, all the trades are cleared through a central platform, which reduces counterparty risk.
The risk for that is you basically start to compete with every single one of your customers.
这样做的风险是,原来的客户都成了竞争对手。
They pay you money, we had a lot of very famous, very prominent customers, but all of a sudden, we started to compete with every one of them. It's quite risky.
他们付你钱,那时我们有许多有名的,重量级的客户,但突然间,客户变成了对手,这么做风险很大。
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