人人貸方興未艾
Jessi Hempel
2012-12-17
美國民間的“人人貸”模式經(jīng)過了一段起起伏伏的發(fā)展之后，正在受到越來越多人的歡迎。它借助近年來勃興的社交網(wǎng)絡(luò)，幫助人們繞開銀行等傳統(tǒng)的金融機(jī)構(gòu)，實(shí)現(xiàn)小額的信貸流動，最小的金額可能只有幾十、甚至十幾美元。
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????但這項(xiàng)服務(wù)會繼續(xù)迎合個人投資者，最低投資額僅為25美元。這也是它最大的賣點(diǎn)。為了更好地了解這項(xiàng)服務(wù)，筆者在Lending Club上進(jìn)行了一筆小投資。我很高興地知道我的錢將可以幫助馬薩諸塞州莫森小鎮(zhèn)上的一個人償還汽車貸款，我媽媽就生活在這個小鎮(zhèn)上。而且，我也很高興知道在金融市場低迷之時，我毫無起色的貨幣市場賬戶可能有新的投資選擇了。 ????譯者：楊智 |
????The service will continue to cater to retail investors, however, with a required minimum investment of just $25. And that's its biggest selling point. To better understand the service, I made a small investment on Lending Club. I liked knowing that my money would support a person trying to pay off a car loan in Monson, MA, a town over from where my mother lives. And I also liked knowing that there may be a new alternative in a down market for my flat-lining money market accounts. |
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