郭廣昌 P2P基本上都是騙局
Guo Guangchang, China’s self-styled Warren Buffett, yesterday called the country’s Rmb440bn ($65.9bn) peer-to-peer lending market basically a scam, becoming the latest figure to attack an industry that has been plagued by scandal.
自命中國的沃倫•巴菲特(Warren Buffett)、中國最大民營企業復星國際(Fosun Group)董事長郭廣昌昨日表示，個人對個人借貸(P2P)基本上都是騙局，加入了抨擊這個醜聞不斷的行業的批評者行列。中國P2P市場規模已達4400億元人民幣（合659億美元）。
The comment from Mr Guo, chairman of Fosun Group, China’s biggest privately owned conglomerate, has added to the fierce debate over China’s P2P lending market and comes days after the government imposed new rules on the size of such operations.
郭廣昌是在政府出臺新規限制P2P借貸額度幾天後發表這番言論的，讓圍繞中國P2P市場的激烈爭論更增火藥味。
The industry, which has grown rapidly over the past four years, is based on a business model in which individual lenders are matched with borrowers via online platforms. The loans often pay out high yields.
該行業近四年來發展迅速，在這種商業模式中，個人放貸者與借款者通過網絡平臺進行匹配，貸款利息通常較高。
The sector has been lauded for providing an alternative to low-interest deposits, but has more recently gained a reputation for hosting some of the biggest scams involving retail investor cash in China, incurring the wrath of some of the country’s top businesspeople as well as the regulators.
有人稱讚P2P提供了利率極低的存款以外的新選擇，但中國P2P行業近來卻因接連曝出多起涉及龐大個人投資者資金的騙局而傳出壞名聲，引起中國一些頂尖商界人士以及監管官員的憤怒。
Mr Guo made the remarks at a press conference in Hong Kong following the release of the company’s interim results.
郭廣昌是在復星國際於香港召開的中期業績發佈會上發表上述言論的。
Another Fosun executive emphasised that the company, known for using insurance premiums to make investments abroad, had never dabbled in the P2P business.
另外一位高管強調，復星國際從未涉足P2P行業。該集團以利用保險費進行海外投資著稱。
Earlier this month, the president of Ping An Insurance, China’s second-largest insurer, told the Financial Times that most P2P lenders were fakes and that the vast majority of China’s P2P lenders would not be able to continue their business in the future.
中國第二大保險公司平安集團(Ping An Insurance)總經理上月告訴英國《金融時報》，中國多數P2P貸款平臺都是騙子，絕大多數平臺未來將難以繼續經營下去。
The president of Ant Financial Services, a subsidiary of Alibaba that houses the group’s payments and credit scoring platforms, has also tried to distance the company from China’s broader P2P lending market.
阿里巴巴(Alibaba)旗下負責運營支付及信用評分平臺的螞蟻金服(Ant Financial Services)的總裁也極力跟P2P撇開關係。
That large financial companies would attack P2P lending comes as no surprise.
大型金融公司抨擊P2P並不令人意外。
Within the past year, ordinary Chinese people have fallen victim to scandals in which online financial platforms have disappeared with billions of dollars, provoking angry protests on the streets.
過去一年裏，多個在線融資平臺消失，每每涉及數十億美元資金，受害者多爲普通老百姓，許多人憤而走上街頭舉行抗議活動。
