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

El sector financiero en línea de China alcanza la mayoría de edad

BEIJING – El mes pasado, los dirigentes de China revelaron detalles del 13º Plan Quinquenal, que guiará la trayectoria de la economía hasta 2020. Las directrices para aumentar la producción industrial a un ritmo vertiginoso que caracterizaron los planes quinquenales anteriores ya son cosa del pasado. Ahora la atención está centrada en la consecución de un crecimiento sostenible a largo plazo, apuntalado por el consumo interno, un sector de servicios más sólido, el espíritu empresarial y la innovación.

La red Internet, que ya tiene más de 680 millones de usuarios activos en China, desempeñará un papel fundamental para facilitar ese cambio. En particular, los préstamos entre particulares en línea, como método simplificado de asignación de créditos, puede representar la clave para ampliar y profundizar el sector financiero de China, lo que permitiría a las empresas crecer, innovar y reforzar el consumo interno.

En el préstamo entre particulares en línea, los inversores particulares (y últimamente los institucionales) aportan fondos que se pueden prestar a prestatarios particulares sin la participación de un intermediario financiero tradicional. Los préstamos pueden oscilar entre 100 yuanes (16 dólares) y un millón de yuanes y concederse a empresas pequeñas o medianas, además de a prestarios particulares, a los que actualmente les cuesta tener acceso al crédito mediante las instituciones tradicionales.

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