Peer to peer lending – The full P2P lending guide
点对点借贷(Peer-to-Peer lending,又称P2P借贷),是指通过在线服务向个人或企业提供贷款,使贷款人与借款人匹配。由于提供这些服务的点对点贷款公司一般都是在线..
基本信息
- 更新日期:
- 版本:
- 最新版
- 大小:
- 30.35 MB
- 类型:
- 财务
- 平台:
- Windows
- 评分:
- 发布日期:
- 2019-01-02
- 价格:
- 免费
- 开发者:
- Hub Academy
应用更新
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Peer to peer lending应用截图
Peer to peer lending应用简介
Peer to peer lending, also abbreviated as P2P lending, is the practice of lending money to individuals or businesses through online services that match lenders with borrowers. Since peer to peer lending companies offering these services generally operate online, they can run with lower overhead and provide the service more cheaply than traditional financial institutions. As a result, lenders can earn higher returns compared to savings and investment products offered by banks, while borrowers can borrow money at lower interest rates, even after the P2P lending company has taken a fee for providing the matchmaking platform and credit checking the borrower. There are several such peer to peer platforms, the popular ones are lending club, Kiva and upstart.
This Guide will teach you everything you need to know about peer to peer lending and investing:
P2P lending and investing characteristics – Peer-to-peer lending does not fit cleanly into any of the three traditional types of financial institutions—deposit takers, investors, insurers—and is sometimes categorized as an alternative financial service. We will show you the many special characteristics that will help you understand it better.
Peer-to-peer lending Legal regulation – In many countries, soliciting investments from the general public is considered illegal. Crowd sourcing arrangements in which people are asked to contribute money in exchange for potential profits based on the work of others are considered to be securities.
P2P Interest rates – One of the main advantages of person-to-person lending for borrowers can sometimes be better rates than traditional bank rates can offer. The advantages of lenders can be higher returns than obtainable from a savings account or other investments, but subject to risk of loss, unlike a savings account.
P2P Socially-conscious investment – For investors interested in socially conscious investing, peer-to-peer lending offers the possibility of supporting the attempts of individuals to break free from high-rate debt, assist persons engaged in occupations or activities that are deemed moral and positive to the community, and avoid investment in persons employed in industries deemed immoral or detrimental to the community.
P2P investing Credit risk – Peer-to-peer lending also attracts borrowers who, because of their credit status or the lack thereof, are unqualified for traditional bank loans. Because past behavior is frequently indicative of future performance and low credit scores correlate with high likelihood of default, peer-to-peer intermediaries have started to decline a large number of applicants and charge higher interest rates to riskier borrowers that are approved. Learn how to asses that risk and choose how much risk you’d like to take.
P2P investing and P2P lending – Government protection – Because, unlike depositors in banks, peer-to-peer lenders can choose themselves whether to lend their money to safer borrowers with lower interest rates or to riskier borrowers with higher returns, in the US peer-to-peer lending is treated legally as an investment and the repayment in case of borrower defaulting is not guaranteed by the federal government (U.S. Federal Deposit Insurance Corporation) the way bank deposits are.
Different Peer-to-Peer Lending Websites – We will show the pros and cons of each of the biggest peer to peer companies, especially we will talk about the more popular upstart, lending club and Kiva and help you find your way using them.
Download now and make sure your money works for you – like it should!
中文翻译
点对点借贷(Peer-to-Peer lending,又称P2P借贷),是指通过在线服务向个人或企业提供贷款,使贷款人与借款人匹配。由于提供这些服务的点对点贷款公司一般都是在线运营的,它们可以以较低的管理费用运行,并比传统金融机构提供的服务更便宜。因此,与银行提供的储蓄和投资产品相比,贷款人可以获得更高的回报,而借款人可以以更低的利率借款,即使P2P贷款公司已经收取了为借款人提供婚介平台和信用检查的费用。有几个这样的点对点平台,最受欢迎的是贷款俱乐部、Kiva和upstart。
本指南将教您需要了解的关于点对点贷款和投资的所有知识:
P2P借贷和投资特征-点对点贷款并不完全适合三种传统金融类型中的任何一种机构存款接受人,投资者,保险公司,有时被归类为一种替代性金融服务。我们将向您展示许多有助于您更好地理解它的特殊特征。
对等贷款法律法规-在许多国家,向公众招揽投资被视为非法行为。人们被要求提供资金以换取基于他人工作的潜在利润的众包安排被认为是证券。
P2P利率——对借款人个人贷款的主要优势之一,有时可能比传统银行利率提供的利率更高。放款人的优势可能是比储蓄账户或其他投资获得的回报更高,但与储蓄账户不同的是,它会面临损失风险。
P2P社会意识投资-对于对社会意识投资感兴趣的投资者,点对点贷款提供了支持个人摆脱高利率债务的努力的可能性,帮助从事道德和对社区有积极意义的职业或活动的人,避免投资于被视为不道德或对社会有害的行业的从业人员。
P2P投资信贷风险-点对点贷款也吸引了借款人,因为他们的信用状况或缺乏信用状况,无法获得传统的银行贷款。由于过去的行为往往预示着未来的表现,低信用分数与高违约可能性相关,对等中介已开始拒绝大量申请者,并向获得批准的风险较高的借款人收取更高的利率。学习如何评估风险并选择您愿意承担的风险。
P2P投资和P2P贷款——政府保护——因为与银行存款人不同,点对点贷款机构可以自行选择是将资金借给利率更低、风险更高的借款人,还是贷款给收益率更高的借款人美国点对点贷款在法律上被视为一种投资,借款人违约时的还款并没有像银行存款那样得到联邦政府(美国联邦存款保险公司)的担保。
不同的点对点贷款网站–我们将展示每个最大的点对点贷款网站的利弊公司,特别是我们将讨论更受欢迎的新贵,贷款俱乐部和Kiva,并帮助您找到使用它们的方法。
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