{"id":2482,"date":"2016-10-12T15:47:11","date_gmt":"2016-10-12T07:47:11","guid":{"rendered":"http:\/\/blog2.tibame.com\/?p=2482"},"modified":"2022-04-08T18:20:04","modified_gmt":"2022-04-08T10:20:04","slug":"%e6%8f%90%e6%8b%94%e5%ad%97%e5%85%b8%ef%bc%8dp2p%e6%b7%ba%e8%ab%87","status":"publish","type":"post","link":"https:\/\/blog.tibame.com\/?p=2482","title":{"rendered":"\u63d0\u62d4\u5b57\u5178\uff0dP2P\u7db2\u8def\u501f\u8cb8(Peer-to-Peer Lending )\u6dfa\u8ac7"},"content":{"rendered":"<p style=\"text-align: justify;\">\u81ea\u5f9e2013\u5e74\u5927\u9678\u963f\u91cc\u5df4\u5df4\u7684<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E4%BD%99%E9%A2%9D%E5%AE%9D\">\u9918\u984d\u5bf6<\/a>\u6a6b\u7a7a\u51fa\u4e16\uff0c\u6574\u500b\u6578\u4f4d\u91d1\u878d\u5728\u5927\u9678\u7684\u767c\u5c55\u901f\u5ea6\u4e0d\u662f\u4e00\u65e5\u5343\u91cc\u53ef\u4ee5\u5f62\u5bb9\u7684\u3002<!--more-->\u6578\u4f4d\u91d1\u878d\u662f\u50b3\u7d71\u91d1\u878d\u9700\u6c42\u8207\u7db2\u8def\u7cbe\u795e\u7684\u7d50\u5408\u7684\u65b0\u8208\u9818\u57df\uff0c\u5c07\u7db2\u8def\u7684\u300c\u958b\u653e\u3001\u5e73\u7b49\u3001\u5354\u4f5c\u3001\u5206\u4eab\u300d\u5e36\u5165\u50b3\u7d71\u91d1\u878d\u751f\u614b\u5708\u88cf\u9762\uff0c\u5c0d\u50b3\u7d71\u91d1\u878d\u6a21\u5f0f\u7522\u65b0\u6839\u672c\u7684\u5f71\u97ff\uff0c\u9020\u6210\u6574\u500b\u751f\u614b\u7684\u8cea\u8b8a\uff0c\u5176\u4e2d\u76ee\u524d\u5728\u4e2d\u570b\u6700\u706b\u7d05\u7684\u9664\u4e86<a href=\"https:\/\/books.google.com.tw\/books?id=1ApeDAAAQBAJ&amp;pg=PA71&amp;lpg=PA71&amp;dq=%E7%B6%B2%E9%8A%B7%E5%9F%BA%E9%87%91&amp;source=bl&amp;ots=lGDhZAbKUQ&amp;sig=7vQO384ZH3w_AxuFM1bZU-AbSuA&amp;hl=zh-TW&amp;sa=X&amp;ved=0ahUKEwiduZjUltTPAhUBnpQKHcSRCaYQ6AEILTAD#v=onepage&amp;q=%E7%B6%B2%E9%8A%B7%E5%9F%BA%E9%87%91&amp;f=false\">\u7db2\u92b7\u57fa\u91d1<\/a>\u5916\uff0c\u5c31\u5c6c<a href=\"https:\/\/zh.wikipedia.org\/wiki\/P2P\">P2P<\/a>\u7684\u5d1b\u8d77\u3002\u5f6d\u535a\u793e\u5831\u5c0e\u6307\u51fa\uff0c\u77e5\u540d\u6295\u8cc7\u6a5f\u69cbSanford C. Bernstein\u65b9\u9762\u8868\u793a\uff0c\u4e2d\u570b\u7db2\u8def\u8cb8\u6b3e\u5e73\u53f0(<a href=\"https:\/\/zh.wikipedia.org\/wiki\/P2P\">P2P<\/a>)\u8cb8\u6b3e\u9918\u984d\u52302020\u5e74\u6642\u5c07\u9054\u52303.4\u5146\u4eba\u6c11\u5e63\u3002(<a href=\"http:\/\/money-link.com.tw\/RealtimeNews\/NewsContent.aspx?sn=953052002&amp;pu=News_0002_5\">http:\/\/money-link.com.tw\/RealtimeNews\/NewsContent.aspx?sn=953052002&amp;pu=News_0002_5<\/a>)<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P<\/a>\u662f\u82f1\u6587<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">peer to peer lending<\/a>\u7684\u7e2e\u5beb\uff0c\u610f\u65e8\u4e00\u7a2e\u500b\u4eba\u5c0d\u500b\u4eba\u7684C2C\u4fe1\u8cb8\u6a21\u5f0f\u3002\u6240\u8b02\u7684<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P\u501f\u8cb8<\/a>\u6307\u7684\u662f\u501f\u8cb8\u904e\u7a0b\u4e2d\uff0c\u8cc7\u6599\u8207\u8cc7\u91d1\u3001\u5408\u7d04\u3001\u624b\u7e8c\u7b49\u5168\u90e8\u901a\u904e\u7db2\u8def\u5be6\u73fe\u3002\u66f4\u7c21\u55ae\u7684\u8aaa\u6cd5\uff0c\u662f\u501f\u6b3e\u4eba\u53ef\u4ee5\u900f\u904e\u7db2\u8def\u5e73\u53f0\uff0c\u627e\u5c0b\u6709\u51fa\u501f\u80fd\u529b\u7684\u3001\u4e26\u6709\u610f\u9858\u57fa\u65bc\u4e00\u5b9a\u501f\u6b3e\u689d\u7d04\u51fa\u501f\u73fe\u91d1\u51fa\u53bb\u7684\u91d1\u4e3b\u3002<\/p>\n<p style=\"text-align: justify;\">\u6700\u65e9<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P<\/a>\u501f\u8cb8\u516c\u53f8\u662f\u82f1\u570b\u7684<a href=\"https:\/\/www.zopa.com\/\">Zopa<\/a> \u65bc2005\u5e74\u521d\u958b\u59cb\u7684\uff0c\u4e5f\u662f\u76ee\u524d\u6700\u5177\u4ee3\u8868\u6027\u7684<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P<\/a>\u501f\u8cb8\u516c\u53f8\u3002\u5176\u4ed6\u77e5\u540d\u7684<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P<\/a>\u9084\u6709\u7f8e\u570b\u7684<a href=\"https:\/\/www.lendingclub.com\/\">Leading Club<\/a> \u3001\u5fb7\u570b\u7684<a href=\"https:\/\/www.auxmoney.com\/\">Auxmoney<\/a>\u3001\u65e5\u672c\u7684<a href=\"https:\/\/www.aqush.jp\/\">Aqush<\/a>\u7b49\uff0c\u800c\u7f8e\u570b\u7684<a href=\"https:\/\/www.prosper.com\/\">Prosper<\/a>\u65bc2006\u5e74\u521d\u958b\u59cb\u7684\uff0c\u5247\u662f\u76ee\u524d\u5168\u7403\u6700\u5927\u7684\u7684<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P<\/a>\u501f\u8cb8\u516c\u53f8\u3002<\/p>\n<p style=\"text-align: justify;\">\u4e2d\u570b\u6700\u65e9\u662f\u57282007\u5e74\u63a8\u51fa\u300c<a href=\"https:\/\/www.ppdai.com\/\">\u62cd\u62cd\u8cb8\u300d<\/a>\uff0c\u4f46\u6574\u500b\u8208\u8d77\u5728\u65bc2013\u5e74\uff0c\u5e7e\u4e4e\u4ee5\u6bcf\u59291\u5bb6\u7684\u901f\u5ea6\u5728\u6210\u9577\uff0c\u5230\u4e862014\u7d71\u8a08\u4e2d\u570b\u5c31\u67091575\u5bb6<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P<\/a>\u501f\u8cb8\u516c\u53f8\u3002\u81fa\u7063\u5247\u65bc2016\u5e74\u6210\u4e86<a href=\"https:\/\/www.lend.com.tw\/index.html\">\u9109\u6c11\u8cb8<\/a>\u3002<\/p>\n<p style=\"text-align: justify;\"><strong>\u7531P2P\u7684\u6982\u5ff5\u5df2\u7d93\u884d\u751f\u51fa\u4e86\u5f88\u591a\u6a21\u5f0f\uff0c\u4e00\u822c\u6709\u4e0b\u56db\u985e\uff1a<\/strong><\/p>\n<p style=\"text-align: justify;\">\u4e00\u3001\u7d14\u5e73\u53f0\u6a21\u5f0f\uff1a\u6b64\u985e<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P<\/a>\u501f\u8cb8\u516c\u53f8\u53ea\u4f5c\u70ba\u4e2d\u4ecb\uff0c\u53ea\u63d0\u4f9b\u76f8\u95dc\u501f\u6b3e\u96d9\u65b9\u91d1\u878d\u4fe1\u606f\u670d\u52d9\uff0c\u63d0\u4f9b\u4fe1\u7528\u5be9\u6838\uff0c\u7531\u91d1\u4e3b\u81ea\u884c\u9078\u64c7\u501f\u6b3e\u5c0d\u8c61\uff0c\u4e26\u4e0d\u4ecb\u5165\u4ea4\u6613\uff0c\u5f9e\u4e2d\u6536\u53bb\u5e33\u7ba1\u8cbb\u7528\uff0c\u70ba\u4e00\u822c\u591a\u6578\u6b50\u7f8e<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P<\/a>\u501f\u8cb8\u516c\u53f8\u7d93\u71df\u65b9\u5f0f\u3002\u7b97\u662f\u4e00\u7a2e\u4e00\u5c0d\u591a\u7684\u501f\u8cb8\u670d\u52d9\u3002<\/p>\n<p style=\"text-align: justify;\">\u4e8c\u3001\u50b5\u6b0a\u8f49\u8b93\u6a21\u5f0f\uff1a\u9700\u8981\u8cc7\u91d1\u7684\u4eba\u5148\u900f\u904e\u7b2c\u4e09\u65b9\u5148\u884c\u62ff\u5230\u8cc7\u91d1\uff0c\u518d\u7531\u7b2c\u4e09\u65b9\u5c07\u9019\u50b5\u6b0a\u8f49\u79fb\u7d66\u60f3\u8981\u6295\u8cc7\u7684\u6295\u8cc7\u4eba\uff0c\u9019\u985e\u7684<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P<\/a>\u501f\u8cb8\u516c\u53f8\u5c07\u773e\u591a\u7b2c\u4e09\u65b9\u7684\u501f\u6b3e\u6253\u5305\u6210\u7406\u8ca1\u5546\u54c1\u7684\u5f62\u5f0f\u4f9b\u6709\u8cc7\u91d1\u7684\u6295\u8cc7\u4eba\u505a\u9078\u64c7\uff0c\u4e26\u8ca0\u8cac\u501f\u6b3e\u4eba\u7684\u4fe1\u7528\u5be9\u6838\u8207\u8cb8\u5f8c\u7ba1\u7406\u670d\u52d9\u3002\u7b97\u662f\u591a\u5c0d\u591a\u7684\u501f\u8cb8\u65b9\u5f0f\u3002\u9019\u65b9\u6cd5\u7531\u4e2d\u570b<a href=\"http:\/\/www.creditease.cn\/\">\u5b9c\u4fe1\u516c\u53f8<\/a>\u9996\u5275\uff0c\u8a72\u516c\u53f8\u5275\u7acb\u65bc2006\u5e74\uff0c\u76ee\u524d\u63a8\u4f30\u898f\u6a21\u8d85\u904e200\u5104\u4eba\u6c11\u5e63\u4ee5\u4e0a\uff0c\u4f54\u4e2d\u570b\u7684<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P<\/a>\u501f\u8cb8\u898f\u6a211\/3\u4ee5\u4e0a\u3002<\/p>\n<p style=\"text-align: justify;\">\u4e09\u3001\u50b3\u7d71\u91d1\u878d\u96c6\u5718\u63a8\u51fa\u7684\u4e92\u806f\u7db2\u670d\u52d9\u5e73\u81fa\u3002\u6b64\u985e\u5927\u591a\u662f\u7531\u50b3\u7d71\u91d1\u878d\u884c\u696d\u5411\u7db2\u8def\u91d1\u878d\u4f48\u5c40\uff0c\u56e0\u6b64\u5728\u696d\u52d9\u6a21\u5f0f\u4e0a\u985e\u4f3c\u50b3\u7d71\u91d1\u878d\u8272\u5f69\uff0c\u53ea\u662f\u85c9\u7531\u8cc7\u6599\u5206\u6790\uff0c\u8b93\u5fb5\u6388\u4fe1\u6d41\u7a0b\u52a0\u901f\u3002<\/p>\n<p style=\"text-align: justify;\">\u56db\u3001\u4ee5\u7db2\u8def\u4ea4\u6613\u53c3\u6578\u70ba\u57fa\u9ede\uff0c\u7d50\u5408<a href=\"http:\/\/wiki.mbalib.com\/zh-tw\/O2O%E8%90%A5%E9%94%80%E6%A8%A1%E5%BC%8F\">O2O<\/a>\uff08<a href=\"http:\/\/wiki.mbalib.com\/zh-tw\/O2O%E8%90%A5%E9%94%80%E6%A8%A1%E5%BC%8F\">Online to Offline<\/a>\uff0c\u5c07\u7dda\u4e0b\u5546\u52d9\u7684\u6a5f\u6703\u8207\u4e92\u806f\u7db2\u7d50\u5408\uff09\u7684\u7d9c\u5408\u4ea4\u6613\u6a21\u5f0f\u3002\u4f8b\u5982\u963f\u91cc\u5df4\u5df4\u7684<a href=\"http:\/\/page.1688.com\/hbhkf.html\">\u879e\u87fb\u91d1\u878d<\/a>\uff0c\u963f\u91cc\u5df4\u5df4\u5c07\u96fb\u5546\u8cc7\u6599\u52a0\u5165\u6388\u4fe1\u5be9\u6838\u9ad4\u7cfb\uff0c\u5c0d\u5176\u6240\u9700\u7684\u8cb8\u6b3e\u4fe1\u606f\u9032\u884c\u6574\u5408\u8655\u7406\u3002\u9019\u7a2e\u5c0f\u8cb8\u6a21\u5f0f\u5275\u5efa\u7684<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P<\/a>\u5c0f\u984d\u8cb8\u6b3e\u696d\u52d9\u6191\u85c9\u5176\u64c1\u6709\u7684\u5ba2\u6236\u8cc7\u6e90\u3001\u96fb\u5546\u4ea4\u6613\u6578\u64da\u53ca\u7522\u54c1\u7d50\u69cb\u7684\u4e0a\u4e0b\u6e38\u95dc\u4fc2\uff0c<a href=\"http:\/\/finance.technews.tw\/2015\/04\/09\/alibaba-finance-arm-ant-financial-to-launch-online-bank-in-june\/\">\u8b93\u7dda\u4e0b\u5546\u52d9\u7684\u6a5f\u6703\u8207\u7db2\u8def\u91d1\u878d\u7d50\u5408\u5728\u4e86\u4e00\u8d77\uff0c\u8b93\u4e92\u806f\u7db2\u6210\u70ba\u7dda\u4e0b\u4ea4\u6613\u7684\u524d\u81fa<\/a>\u3002<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P<\/a>\u501f\u8cb8\u516c\u53f8\u85c9\u7531\u7db2\u8def\u7684\u65b9\u4fbf\uff0c\u8207\u8cc7\u6599\u5206\u6790\u6280\u8853\u7684\u767c\u5c55\uff0c\u5df2\u7d93\u5728\u8a31\u591a\u570b\u5bb6\u5feb\u901f\u7684\u6210\u9577\uff0c\u9020\u6210\u50b3\u7d71\u91d1\u878d\u696d\u5728\u5c0f\u984d\u501f\u8cb8\u4e0a\u7684\u4e00\u9805\u6311\u6230\uff0c\u5176\u4e2d\u4ee5\u4e2d\u570b\u767c\u5c55\u7684\u901f\u5ea6\u66f4\u70ba\u9a5a\u4eba\uff0c\u7531\u65bc\u65e9\u671f\u653f\u7b56\u7684\u4e0d\u660e\uff0c\u4ee5\u53ca\u8cc7\u91d1\u7684\u6c3e\u6feb\u4f7f\u5f97<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%BD%91%E7%BB%9C%E5%80%9F%E8%B4%B7\">P2P<\/a>\u7db2\u8def\u501f\u8cb8\u516c\u53f8\u9019\u5e7e\u5e74\u5728\u4e2d\u570b\u88ab\u5f62\u5bb9\u662f\u300c\u91ce\u883b\u300d\u6210\u9577\uff0c\u6839\u64da\u5b98\u65b9\u4e0d\u6b63\u5f0f\u7d71\u8a08\uff0c\u622a\u6b622016\u5e748\u6708\u76ee\u524d\u4e2d\u570b\u6709\u8d85\u904e4\u5343\u5bb6\u7db2\u8cb8\u5e73\u53f0\uff0c\u4f46\u5176\u4e2d\u7adf\u6709\u8fd12\u5343\u5bb6\u90fd\u88ab\u767c\u73fe\u71df\u904b\u6709\u554f\u984c\uff0c\u6709\u7684\u975e\u6cd5\u5438\u91d1\u5c0e\u81f4\u6295\u8cc7\u4eba\u8840\u672c\u7121\u6b78\uff0c\u6709\u7684\u4efb\u610f\u653e\u6b3e\uff0c\u4f7f\u5f97\u4e00\u540d\u5927\u5b78\u751f\u7121\u529b\u9084\u6b3e\u800c\u81ea\u6bba\uff0c\u4e2d\u570b\u76f8\u95dc\u90e8\u9580\u7d42\u65bc\u51fa\u624b\u6574\u9813\uff0c\u8fd1\u671f\u516c\u5e03\u300c<a href=\"http:\/\/www.wdzj.com\/zhuanti\/jgxz\/\">P2P\u8fa6\u6cd5<\/a>\u300d\uff0c\u9664\u4e86\u8a02\u51fa\u500b\u4eba\u501f\u8cb8\u4e0a\u9650\u4e5f\u63d0\u9ad8\u7db2\u8cb8\u5e73\u53f0\u7533\u8acb\u9580\u6abb\uff0c\u4e26\u796d\u51fa13\u9805\u7981\u4ee4\uff0c\u5305\u62ec\u7981\u6b62\u50b5\u6b0a\u8f49\u8b93\u4e5f\u4e0d\u5f97\u7dda\u4e0b\u5ba3\u50b3\u3002<\/p>\n<p style=\"text-align: justify;\">\u800c\u53f0\u7063\u5728\u9019\u4e00\u584a\u5247\u9084\u5728\u840c\u82bd\u8d77\u6b65\u7684\u72c0\u6cc1\uff0c\u91d1\u7ba1\u6703\u52a9\u653b<a 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