Woman in China using a laptop in restaurant. Justin Kiner/Flickr

中国的在线金融时代

北京—上个月,中国领导人公布了十三五规划的细节。十三五规划将引导中国经济在直到2020年的运行轨迹。过去的五年计划中迅速扩大工业产能的方向已经难觅其踪。如今,焦点转向了实现以国内消费、更强大的服务业、企业家精神和创新为基础的可持续长期增长。

中国的互联网已经超6.8亿活跃互联网用户,将在促进这一转变中起到关键作用。特别是在线点对点(P2P)贷款——一种高效信用配置方法——也许是扩大和深化中国金融业的关键,它使企业得以成长和创新,也能刺激国内消费。

在在线P2P贷款中,个人(以及越来越多的机构)投资者提供资金,这些资金可用于贷款给个人借款人,而不需要传统金融中介的参与。贷款规模从100元到100万元不等,贷款目标是目前难以通过传统机构获得信用的中小企业以及个人借款人。

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