人人贷方兴未艾
Jessi Hempel
2012-12-17
美国民间的“人人贷”模式经过了一段起起伏伏的发展之后，正在受到越来越多人的欢迎。它借助近年来勃兴的社交网络，帮助人们绕开银行等传统的金融机构，实现小额的信贷流动，最小的金额可能只有几十、甚至十几美元。
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但这项服务会继续迎合个人投资者，最低投资额仅为25美元。这也是它最大的卖点。为了更好地了解这项服务，笔者在Lending Club上进行了一笔小投资。我很高兴地知道我的钱将可以帮助马萨诸塞州莫森小镇上的一个人偿还汽车贷款，我妈妈就生活在这个小镇上。而且，我也很高兴知道在金融市场低迷之时，我毫无起色的货币市场账户可能有新的投资选择了。 译者：杨智 |
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. |
