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为借款人和贷方提供的5个点对点P2P借贷平台
(5 peer to peer P2P lending platforms for borrowers and lenders)
Published: 2023-07-15
1. 点对点（P2P）借贷平台：彻底改变借贷格局 P2P借贷平台已成为传统借贷行业的颠覆性力量，将借款人与潜在贷方直接联系起来. 这些平台提供了传统银行机构的替代方案，为借款人提供无需中间人即可获得贷款的机会. 本文重点介绍了五个著名的P2P借贷平台，并深入研究了它们的独特功能. 1.1. LendingClub：自成立以来，LendingClub的贷款资金超过550亿美元，是全球最大的P2P借贷平台之一. 借款人可以找到具有竞争力的个人贷款，商业贷款甚至医疗融资利率. LendingClub的自动承保系统可实现更快，更高效的贷款处理. 1.2. 繁荣：另一个著名的P2P借贷平台Prosper已经促成了超过170亿美元的贷款. 该平台为借款人提供多种贷款选择，包括债务合并贷款、房屋装修贷款和医疗贷款. Prosper独特的风险评级系统使贷方在投资贷款时能够做出明智的决定. 1.3. 融资圈：针对小企业，融资圈迄今已促成超过110亿美元的贷款. 这个P2P借贷平台允许小企业获得扩张，库存购买或营运资金的融资. 投资者有机会通过投资商业贷款的零碎股份来分散投资组合.
2. P2P借贷的好处和风险 P2P借贷为借款人和贷款人提供了多种好处，但也伴随着需要考虑的固有风险. 2.1. 好处：与传统贷款方案相比，P2P借贷为借款人提供了更具竞争力的利率，更快的审批时间和更大的灵活性. 与传统投资工具相比，它还允许贷方分散其投资组合，并可能获得更高的回报. 2.2. 风险：与P2P借贷相关的主要风险之一是贷款违约的可能性. 就像任何贷款活动一样，借款人存在无法偿还贷款的风险. 此外，P2P借贷平台可能面临欺诈或操作风险，从而可能影响投资者的回报.
3. P2P借贷的未来及其对金融业的影响 P2P借贷有望在未来几年进一步扩大并颠覆传统金融业. 3.1. 监管环境：随着P2P借贷的持续普及，世界各地的监管机构都在注意并实施法规，以确保投资者保护和公平的贷款实践. 这些法规旨在促进创新和维持贷款生态系统的稳定之间取得平衡。. 3.2. 技术进步：区块链技术的出现有可能进一步彻底改变P2P借贷平台. 通过利用智能合约和去中心化系统，区块链可以提高贷款流程的透明度、安全性和效率. 3.3. 普惠金融：P2P借贷平台有可能通过为可能不符合传统贷款标准的个人和企业提供信贷渠道来弥合普惠金融的差距. 这种贷款民主化可以对经济增长和赋权产生重大影响。. 综上所述，P2P借贷平台通过提供更高效、更具成本效益和可及的借贷选择，改变了借贷格局。. 虽然它们伴随着收益和风险，但它们的持续增长、监管发展和技术进步将塑造金融业的未来。. .
1. Peer-to-Peer (P2P) Lending Platforms: Revolutionizing the Borrowing and Lending Landscape P2P lending platforms have emerged as a disruptive force in the traditional lending industry,connecting borrowers directly with potential lenders. These platforms provide an alternative to traditional banking institutions,offering borrowers access to loans without the need for a middleman. This article highlights five notable P2P lending platforms and delves into their unique features. 1.1. LendingClub: With over $55 billion in loans funded since its inception,LendingClub is one of the largest P2P lending platforms globally. Borrowers can find competitive rates for personal loans,business loans,and even medical financing. LendingClub's automated underwriting system allows for faster and efficient loan processing. 1.2. Prosper: Prosper,another prominent P2P lending platform,has facilitated more than $17 billion in loans. The platform offers borrowers a variety of loan options,including debt consolidation loans,home improvement loans,and medical loans. Prosper's unique risk rating system enables lenders to make informed decisions when investing in loans. 1.3. Funding Circle: Targeting small businesses,Funding Circle has facilitated over $11 billion in loans to date. This P2P lending platform allows small businesses to access financing for expansion,inventory purchase,or working capital. Investors have the opportunity to diversify their portfolios by investing in fractional shares of business loans.
2. The Benefits and Risks of P2P Lending P2P lending offers several benefits for both borrowers and lenders,but it also comes with inherent risks that need to be considered. 2.1. Benefits: P2P lending provides borrowers with access to more competitive interest rates,faster approval times,and greater flexibility compared to traditional lending options. It also allows lenders to diversify their investment portfolios and potentially earn higher returns compared to traditional investment instruments. 2.2. Risks: One of the key risks associated with P2P lending is the potential for defaults on loans. Just like any lending activity,there is a risk of borrowers failing to repay their loans. Additionally,P2P lending platforms may be subject to fraud or operational risks,which could impact investors' returns.
3. The Future of P2P Lending and its Impact on the Financial Industry P2P lending is poised to expand further and disrupt the traditional financial industry in the coming years. 3.1. Regulatory Environment: As P2P lending continues to gain popularity,regulators worldwide are taking notice and implementing regulations to ensure investor protection and fair lending practices. These regulations aim to strike a balance between fostering innovation and maintaining stability in the lending ecosystem. 3.2. Technological Advancements: The emergence of blockchain technology has the potential to revolutionize P2P lending platforms further. By leveraging smart contracts and decentralized systems,blockchain can enhance transparency,security,and efficiency in the lending process. 3.3. Financial Inclusion: P2P lending platforms have the potential to bridge the gap in financial inclusion by providing access to credit for individuals and businesses who may not meet traditional lending criteria. This democratization of lending can have a significant impact on economic growth and empowerment. In summary,P2P lending platforms have transformed the borrowing and lending landscape by offering more efficient,cost-effective,and accessible lending options. While they come with benefits and risks,their continued growth,regulatory developments,and technological advancements are set to shape the future of the financial industry.
Reference: cointelegraph.com
交易量最大的硬币
（每1小时更新一次）
| 在 | 从 | 是 ($US) | 周转 ($) |
|---|---|---|---|
| 1 | BTC |
66,620.01 | 1,269,065,023.22 |
| 2 | ARS |
1,108.50 | 790,293,537.60 |
| 3 | ETH |
3,089.09 | 576,581,986.39 |
| 4 | SOL |
172.63 | 495,062,124.91 |
| 5 | PEPE |
<0.01 | 190,946,916.13 |
| 6 | WIF |
2.60 | 142,771,655.32 |
| 7 | BONK |
<0.01 | 142,412,758.31 |
| 8 | DOGE |
0.15 | 117,985,583.19 |
| 9 | LINK |
16.80 | 90,521,491.08 |
| 10 | RNDR |
10.07 | 76,383,237.59 |
| 11 | FTM |
0.86 | 75,873,087.20 |
| 12 | BOME |
0.01 | 70,775,688.73 |
| 13 | RUNE |
6.75 | 70,561,697.96 |
| 14 | XRP |
0.51 | 69,629,835.85 |
| 15 | NEAR |
7.92 | 64,778,235.09 |
| 16 | CREAM |
73.97 | 64,033,462.30 |
| 17 | ENA |
0.72 | 52,824,044.23 |
| 18 | ORDI |
40.28 | 51,396,688.37 |
| 19 | FLOKI |
<0.01 | 46,496,948.25 |
| 20 | PYTH |
0.37 | 44,153,377.29 |
| 21 | AVAX |
35.78 | 41,598,598.06 |
| 22 | PEOPLE |
0.04 | 38,826,875.96 |
| 23 | WLD |
4.78 | 38,002,781.76 |
| 24 | BCH |
486.40 | 36,384,749.31 |
| 25 | ICP |
12.64 | 32,533,531.10 |
| 26 | FIL |
5.56 | 31,617,091.00 |
| 27 | AR |
48.76 | 30,184,410.72 |
| 28 | RSR |
<0.01 | 29,780,738.57 |
价格快速上涨的硬币
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| 在 | 从 | 是 ($US) | 更多的 (%) |
|---|---|---|---|
| 1 | CREAM |
73.97 | +26.38 |
| 2 |  FARM |
78.18 | +15.63 |
| 3 |  UNFI |
4.49 | +10.29 |
| 4 |  OOKI |
<0.01 | +9.28 |
| 5 |  BNX |
1.06 | +6.24 |
| 6 |  PHA |
0.20 | +5.21 |
| 7 | AR |
48.76 | +4.44 |
| 8 |  VIC |
0.46 | +4.01 |
| 9 |  POND |
0.02 | +3.82 |
| 10 | LINK |
16.80 | +2.53 |
| 11 |  BICO |
0.54 | +1.45 |
| 12 |  PAXG |
2,413.00 | +1.43 |
| 13 |  ASR |
3.73 | +0.32 |
| 14 |  PENDLE |
5.03 | +0.20 |
| 15 |  HIGH |
4.41 | +0.11 |
硬币的价格正在迅速下跌。
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| 在 | 从 | 是 ($US) | 减少 (%) |
|---|---|---|---|
| 1 | PYTH |
0.37 | -16.04 |
| 2 |  BLZ |
0.28 | -12.66 |
| 3 |  FOR |
0.02 | -11.47 |
| 4 |  ACE |
4.45 | -11.00 |
| 5 |  PORTAL |
0.73 | -10.88 |
| 6 |  MANTA |
1.42 | -10.68 |
| 7 |  TNSR |
0.81 | -10.54 |
| 8 |  SAGA |
2.01 | -9.78 |
| 9 | BONK |
<0.01 | -9.63 |
| 10 |  DIA |
0.46 | -9.49 |
| 11 |  TIA |
8.65 | -9.33 |
| 12 |  OMNI |
13.63 | -9.13 |
| 13 |  AUCTION |
13.58 | -8.68 |
| 14 |  PIXEL |
0.34 | -8.54 |
| 15 |  STRK |
1.06 | -8.47 |
| 16 |  YGG |
0.85 | -8.45 |
| 17 |  REZ |
0.10 | -8.36 |
| 18 |  ZRX |
0.55 | -8.25 |
| 19 |  LSK |
1.75 | -8.20 |
| 20 |  GALA |
0.04 | -8.12 |
| 21 | RSR |
<0.01 | -8.12 |
| 22 |  CITY |
3.13 | -8.11 |
| 23 |  BETA |
0.06 | -7.96 |
| 24 |  COTI |
0.13 | -7.80 |
| 25 |  DUSK |
0.33 | -7.79 |
| 26 |  MEME |
0.02 | -7.72 |
| 27 |  HOOK |
0.77 | -7.69 |
| 28 |  XAI |
0.59 | -7.38 |
| 29 |  KSM |
28.82 | -7.36 |
| 30 |  MAV |
0.35 | -7.24 |
Bitcoin's Greed and Fear Index.
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美国新闻 对市场有重大影响的
| 在 | 消息 | 天 | 日期 | 时间 |
|---|---|---|---|---|
| 1 | 美联储主席（杰罗姆鲍威尔）声明 (Fed Chair Powell Speaks) | 周一 (Mon) | 20-05-2024 | 03:30 |
| 2 | FOMC Member Bostic Speaks (FOMC Member Bostic Speaks) | 周一 (Mon) | 20-05-2024 | 19:30 |
| 3 | FOMC Member Bostic Speaks (FOMC Member Bostic Speaks) | 周一 (Mon) | 20-05-2024 | 20:45 |
| 4 | 美联储成员 (Christopher J. Waller) 声明 (FOMC Member Waller Speaks) | 周一 (Mon) | 20-05-2024 | 21:00 |
| 5 | 美联储成员（巴尔）声明 (FOMC Member Barr Speaks) | 周一 (Mon) | 20-05-2024 | 21:00 |
| 6 | 美联储成员（杰斐逊）声明 (FOMC Member Jefferson Speaks) | 周一 (Mon) | 20-05-2024 | 22:30 |
| 7 | 美联储成员 (Loretta J. Mester) 声明 (FOMC Member Mester Speaks) | 周二 (Tue) | 21-05-2024 | 02:00 |
| 8 | 美国财政部长 (Jenet Yellen) 声明 (Treasury Sec Yellen Speaks) | 周二 (Tue) | 21-05-2024 | 16:00 |
| 9 | 美联储成员 (Christopher J. Waller) 声明 (FOMC Member Waller Speaks) | 周二 (Tue) | 21-05-2024 | 21:00 |
| 10 | FOMC Member Barkin Speaks (FOMC Member Barkin Speaks) | 周二 (Tue) | 21-05-2024 | 21:00 |
| 11 | 美联储成员（威廉姆斯）声明 (FOMC Member Williams Speaks) | 周二 (Tue) | 21-05-2024 | 21:05 |
| 12 | FOMC Member Bostic Speaks (FOMC Member Bostic Speaks) | 周二 (Tue) | 21-05-2024 | 21:10 |
| 13 | 美联储成员（巴尔）声明 (FOMC Member Barr Speaks) | 周二 (Tue) | 21-05-2024 | 23:45 |
| 14 | 美联储成员 (Loretta J. Mester) 声明 (FOMC Member Mester Speaks) | 周三 (Wed) | 22-05-2024 | 07:00 |
| 15 | 美国房屋销售报告 (Existing Home Sales) | 周三 (Wed) | 22-05-2024 | 22:00 |
| 16 | 原油库存报告 (Crude Oil Inventories) | 周三 (Wed) | 22-05-2024 | 22:30 |
| 17 | 美联储货币政策委员会会议 (FOMC Meeting Minutes) | 周四 (Thur) | 23-05-2024 | 02:00 |
| 18 | 美国失业人数 (Unemployment Claims) | 周四 (Thur) | 23-05-2024 | 20:30 |
| 19 | 美国商品的估计产量 (Flash Manufacturing PMI) | 周四 (Thur) | 23-05-2024 | 21:45 |
| 20 | 美国服务估计 (Flash Services PMI) | 周四 (Thur) | 23-05-2024 | 21:45 |
| 21 | 美国新屋销售报告 (New Home Sales) | 周四 (Thur) | 23-05-2024 | 22:00 |
| 22 | 天然气储量报告 (Natural Gas Storage) | 周四 (Thur) | 23-05-2024 | 22:30 |
| 23 | FOMC Member Bostic Speaks (FOMC Member Bostic Speaks) | 星期五 (Fri) | 24-05-2024 | 03:00 |
| 24 | 每月耐用品订单报告 (Core Durable Goods Orders m/m) | 星期五 (Fri) | 24-05-2024 | 20:30 |
| 25 | 耐用品月度订单 (Durable Goods Orders m/m) | 星期五 (Fri) | 24-05-2024 | 20:30 |
| 26 | 美联储成员 (Christopher J. Waller) 声明 (FOMC Member Waller Speaks) | 星期五 (Fri) | 24-05-2024 | 21:35 |
| 27 | 提高消费者信心指数 (Revised UoM Consumer Sentiment) | 星期五 (Fri) | 24-05-2024 | 22:00 |
| 28 | 预期通胀报告 来自密歇根大学 (Revised UoM Inflation Expectations) | 星期五 (Fri) | 24-05-2024 | 22:00 |
