{"id":654516,"date":"2024-10-18T04:00:07","date_gmt":"2024-10-18T02:00:07","guid":{"rendered":"https:\/\/dailynewshungary.com\/cn\/%e7%82%b9%e5%af%b9%e7%82%b9%e8%b4%b7%e6%ac%be%e5%92%8c%e4%bc%97%e7%ad%b9%e9%ab%98%e6%94%b6%e7%9b%8a%e5%80%ba%e5%8a%a1%e9%a3%8e%e9%99%a9%e8%be%83%e9%ab%98\/"},"modified":"2024-10-18T04:00:07","modified_gmt":"2024-10-18T02:00:07","slug":"%e7%82%b9%e5%af%b9%e7%82%b9%e8%b4%b7%e6%ac%be%e5%92%8c%e4%bc%97%e7%ad%b9%e9%ab%98%e6%94%b6%e7%9b%8a%e5%80%ba%e5%8a%a1%e9%a3%8e%e9%99%a9%e8%be%83%e9%ab%98","status":"publish","type":"post","link":"https:\/\/dailynewshungary.com\/cn\/%e7%82%b9%e5%af%b9%e7%82%b9%e8%b4%b7%e6%ac%be%e5%92%8c%e4%bc%97%e7%ad%b9%e9%ab%98%e6%94%b6%e7%9b%8a%e5%80%ba%e5%8a%a1%e9%a3%8e%e9%99%a9%e8%be%83%e9%ab%98\/","title":{"rendered":"\u70b9\u5bf9\u70b9\u8d37\u6b3e\u548c\u4f17\u7b79:\u9ad8\u6536\u76ca\u503a\u52a1,\u98ce\u9669\u8f83\u9ad8"},"content":{"rendered":"

\u8d5e\u52a9\u5185\u5bb9<\/span><\/i><\/b><\/p>\n

(P2P)\u501f\u8d37\u548c\u4f17\u7b79\u5e73\u53f0\u8fc5\u901f\u6539\u53d8\u4e86\u4e2a\u4eba\u548c\u4f01\u4e1a\u83b7\u53d6\u8d44\u91d1\u7684\u65b9\u5f0f,\u901a\u8fc7\u5207\u65ad\u4f20\u7edf\u7684\u91d1\u878d\u673a\u6784,\u8fd9\u4e9b\u5e73\u53f0\u8ba9\u65e5\u5e38\u4eba\u4eec\u53ef\u4ee5\u76f4\u63a5\u501f\u8d37\u6216\u6295\u8d44,\u672c\u6587\u6211\u4eec\u5c06\u63a2\u8ba8P2P\u501f\u8d37\u548c\u4f17\u7b79\u5982\u4f55\u6210\u957f,\u4ee5\u53ca\u5b83\u4eec\u5e26\u6765\u7684\u673a\u9047\u548c\u98ce\u9669,\u901a\u8fc7\u4e0e\u7ecf\u9a8c\u4e30\u5bcc\u7684\u4e13\u5bb6\u8054\u624b,\u4e86\u89e3\u70b9\u5bf9\u70b9\u501f\u8d37\u548c\u4f17\u7b79\u7684\u98ce\u9669\u548c\u56de\u62a5 \u7acb\u5373\u5b9a\u4e49 Ai<\/a>.<\/strong><\/p>\n

P2P\u501f\u8d37\u548c\u4f17\u7b79\u5e73\u53f0\u7684\u589e\u957f<\/b><\/h3>\n

\u70b9(P2P)\u501f\u8d37\u548c\u4f17\u7b79\u8fd1\u5e74\u6765\u8d77\u98de,\u5c31\u50cf\u662f\u628a\u4e2d\u95f4\u4eba\u526a\u6389,\u8ba9\u666e\u901a\u4eba\u76f4\u63a5\u501f\u8d37\u6216\u6295\u8d44\u4e8e\u4e2a\u4eba\u6216\u4f01\u4e1a,P2P\u5e73\u53f0,\u5982LendingClub\u6216Prosper,\u8ba9\u501f\u6b3e\u4eba\u65e0\u9700\u7ecf\u8fc7\u4f20\u7edf\u94f6\u884c\u5c31\u80fd\u83b7\u5f97\u8d37\u6b3e\u3002 <\/span><\/p>\n

\u53e6\u4e00\u65b9\u9762,\u6295\u8d44\u8005\u53ef\u4ee5\u501f\u94b1\u6765\u8d5a\u53d6\u5229\u606f\u2014\u6709\u65f6\u6bd4\u50a8\u84c4\u8d26\u6237\u63d0\u4f9b\u7684\u5229\u606f\u591a\u5f97\u591a\u3002Kickstarter \u548c GoFundMe \u7b49\u4f17\u7b79\u5e73\u53f0\u7684\u5de5\u4f5c\u65b9\u5f0f\u7c7b\u4f3c,\u4f46\u66f4\u6ce8\u91cd\u4e3a\u9879\u76ee\u6216\u521d\u521b\u4f01\u4e1a\u63d0\u4f9b\u8d44\u91d1\u3002<\/span><\/p>\n

2\u4e2a\u90fd\u5927\u5438\u5f15\u5c31\u662f\u65e0\u969c\u788d,\u51e1\u662f\u591a\u4e86\u4e00\u70b9\u73b0\u91d1\u7684\u4eba\u90fd\u53ef\u4ee5\u5f00\u59cb\u6295\u8d44,\u5bf9\u4e8e\u501f\u6b3e\u4eba\u6765\u8bf4,\u4f20\u7edf\u8d37\u6b3e\u6ca1\u6709\u7684\u65f6\u5019\u662f\u53e6\u7c7b,\u60f3\u8c61\u4e00\u4e0b\u50cf\u662f\u8ddf\u670b\u53cb\u501f20\u7f8e\u5143,\u800c\u4e0d\u662f\u8ddf\u94f6\u884c\u53d6\u2014\u4f46\u89c4\u6a21\u5927\u5f97\u591a\u7684\u6280\u672f,\u771f\u7684\u5e2e\u52a9\u8fd9\u4e2a\u7a7a\u95f4\u5feb\u901f\u6210\u957f\u3002<\/span><\/p>\n

2020\u5e74\u4e00\u5e74,\u5168\u7403P2P\u501f\u8d37\u5e02\u573a\u4ef7\u503c\u5c31\u8d85\u8fc7700\u4ebf\u7f8e\u5143,\u800c\u4e14\u8fd8\u5728\u589e\u957f,\u4f17\u7b79\u4e5f\u7206\u53d1\u4e86,\u8ba9\u4f01\u4e1a\u5bb6\u53ef\u4ee5\u5728\u6ca1\u6709\u98ce\u9669\u6295\u8d44\u7684\u60c5\u51b5\u4e0b\u4e3a\u9879\u76ee\u63d0\u4f9b\u8d44\u91d1\u3002<\/span><\/p>\n

Dan\u8fd9\u4e9b\u5e73\u53f0\u5728\u655e\u5f00\u5927\u95e8\u7684\u540c\u65f6,\u5374\u53c8\u5e26\u6709\u98ce\u9669,Zuo\u4e48\u5bb9\u6613\u653e\u8d37\u6216\u6295\u8d44\u9879\u76ee,\u5c31\u662f\u5728\u62bc\u6ce8\u4e0d\u8ba4\u8bc6\u7684\u4eba,Ni\u5728\u7f51\u4e0a\u653e\u8d37\u7ed9\u964c\u751f\u4eba\u4f1a\u4e0d\u4f1a\u8212\u670d?<\/span><\/p>\n

\u8bc4\u4f30\u501f\u6b3e\u4eba\u4fe1\u7528\u98ce\u9669\u548c\u8fdd\u7ea6\u7387<\/b><\/h3>\n

P2P\u501f\u8d37\u5e73\u53f0\u6295\u8d44,\u4e86\u89e3\u501f\u6b3e\u4eba\u4fe1\u7528\u98ce\u9669\u81f3\u5173\u91cd\u8981,\u4f60\u4e0d\u4f1a\u53ea\u501f\u94b1\u7ed9\u4efb\u4f55\u4eba\u5427,\u5e73\u53f0\u901a\u5e38\u4f1a\u6839\u636e\u501f\u6b3e\u4eba\u7684\u4fe1\u7528\u8bc4\u5206\u3001\u6536\u5165\u548c\u5176\u4ed6\u8d22\u52a1\u56e0\u7d20\u6765\u8bc4\u4f30\u501f\u6b3e\u4eba\u3002 <\/span><\/p>\n

Risk\u8d8a\u9ad8,\u6f5c\u5728\u56de\u62a5\u8d8a\u9ad8\u2014\u4f46\u501f\u6b3e\u4eba\u4e0d\u8fd8\u8d37\u7684\u673a\u4f1a\u4e5f\u8d8a\u5927,\u6709\u70b9\u50cf\u501f\u94b1\u7ed9\u8001\u662f\u201c\u5de5\u4f5c\u95f4\u201d\u7684\u8868\u5f1f\u2014\u4f60\u5e0c\u671b\u80fd\u62ff\u56de\u6765,\u4f46\u4f60\u5f88\u6709\u673a\u4f1a\u4e0d\u4f1a\u3002<\/span><\/p>\n

P2P\u5e73\u53f0\u5927\u591a\u7ed9\u501f\u6b3e\u4eba\u5206\u914d\u98ce\u9669\u7b49\u7ea7,\u98ce\u9669\u8f83\u4f4e\u7684\u501f\u6b3e\u4eba\u901a\u5e38\u63d0\u4f9b\u8f83\u4f4e\u7684\u5229\u7387,\u800c\u98ce\u9669\u8f83\u9ad8\u7684\u501f\u6b3e\u4eba\u63d0\u4f9b\u66f4\u5177\u5438\u5f15\u529b\u7684\u5229\u7387,\u4f46\u8fdd\u7ea6\u7684\u53ef\u80fd\u6027\u8f83\u9ad8\u3002 <\/span><\/p>\n

LendingClub\u7684\u6570\u636e,\u5386\u53f2\u8fdd\u7ea6\u7387\u53ef\u4ee5\u4ecb\u4e8e3%\u523010%\u4e4b\u95f4,\u5177\u4f53\u53d6\u51b3\u4e8e\u501f\u6b3e\u4eba\u7684\u98ce\u9669\u6c34\u5e73,\u76f8\u6bd4\u4e4b\u4e0b,\u4fe1\u7528\u5361\u7684\u8fdd\u7ea6\u7387\u5f98\u5f8a\u57283%\u5de6\u53f3,\u56e0\u6b64,\u867d\u7136\u6295\u8d44\u56de\u62a5\u7387\u53ef\u4ee5\u5177\u6709\u5438\u5f15\u529b,\u4f46\u98ce\u9669\u603b\u662f\u6f5c\u4f0f\u7740\u3002<\/span><\/p>\n

\u60f3\u8c61\u4e00\u4e0b,\u60a8\u6295\u8d44\u4e86 10 \u79cd\u4e0d\u540c\u7684\u8d37\u6b3e\u2014\u5982\u679c\u4e00\u4e2a\u501f\u6b3e\u4eba\u8fdd\u7ea6,\u90a3\u4e48\u60a8\u6295\u8d44\u7684 10% \u5c31\u6d88\u5931\u4e86\u3002\u591a\u6837\u5316\u6709\u6240\u5e2e\u52a9,\u4f46\u8fdd\u7ea6\u98ce\u9669\u662f\u6e38\u620f\u7684\u4e00\u90e8\u5206\u3002\u90a3\u4e48,\u60a8\u5728\u90a3\u4e2a\u6c99\u7bb1\u91cc\u73a9\u6e38\u620f\u6709\u591a\u8212\u670d?\u4e3a\u4e86\u6700\u5927\u9650\u5ea6\u5730\u964d\u4f4e\u98ce\u9669,\u8bb8\u591a\u6295\u8d44\u8005\u5c06\u8d44\u91d1\u5206\u6563\u5230\u591a\u7b14\u8d37\u6b3e\u4e2d,\u5e0c\u671b\u4e00\u4e24\u7b14\u8d37\u6b3e\u7684\u635f\u5931\u4e0d\u4f1a\u6c89\u6ca1\u6574\u4e2a\u6295\u8d44\u7ec4\u5408\u3002<\/span><\/p>\n

\u6848\u4f8b\u7814\u7a76:P2P \u8d37\u6b3e\u7684\u9ad8\u56de\u62a5\u548c\u91cd\u5927\u635f\u5931<\/b><\/h3>\n

P2P\u501f\u8d37\u9ad8\u4f4e\u70b9\u7684\u4e00\u4e9b\u5b9e\u4f8b,\u4e00\u4e2a\u6210\u529f\u6848\u4f8b\u6765\u81eaLendingClub\u7684\u65e9\u671f\u6295\u8d44\u8005,\u65e9\u57282010\u5e74,\u5f53\u5e73\u53f0\u8fd8\u5f88\u65b0\u65f6,\u4e00\u4e9b\u8d37\u65b9\u6bcf\u5e74\u6536\u76ca\u7387\u5c31\u9ad8\u8fbe10-12%\u4ee5\u4e0a\u3002 <\/span><\/p>\n

\u4f3c\u8dcc\u8dcc\u649e\u649e\u5730\u53d1\u73b0\u4e86\u6295\u8d44\u754c\u7684\u7a00\u4e16\u5b9d\u7bb1,\u901a\u8fc7\u5c06\u4ed6\u4eec\u7684\u6295\u8d44\u5206\u6563\u5728\u6570\u767e\u7b14\u8d37\u6b3e\u4e2d,\u8bbe\u6cd5\u62b5\u6d88\u4e86\u51e0\u6b21\u8fdd\u7ea6\u7684\u98ce\u9669,\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb,\u4ed6\u4eec\u7684\u6295\u8d44\u7ec4\u5408\u5927\u5e45\u589e\u957f,\u8bc1\u660eP2P\u6a21\u5f0f\u53ef\u4ee5\u5de5\u4f5c\u2014\u5982\u679c\u5904\u7406\u5f97\u5f53\u3002<\/span><\/p>\n

\u4f46\u5e76\u975e\u6bcf\u4e2a\u6545\u4e8b\u90fd\u6709\u7f8e\u597d\u7684\u7ed3\u5c40,\u60f3\u60f32010\u5e74\u5927\u5f20\u65d7\u9f13\u63a8\u51fa\u7684\u82f1\u56fdP2P\u5e73\u53f0Quakle\u7684\u6848\u4f8b,\u627f\u8bfa\u9ad8\u56de\u62a5,\u5438\u5f15\u4e86\u4f17\u591a\u70ed\u5207\u7684\u6295\u8d44\u8005,\u4f46Quakle\u7684\u98ce\u9669\u7ba1\u7406\u8584\u5f31,\u672a\u80fd\u59a5\u5584\u7b5b\u9009\u501f\u6b3e\u4eba\u3002 <\/span><\/p>\n

2011\u5e74,\u4ec5\u4ec5\u4e00\u5e74\u4e4b\u540e,Quakle\u5c31\u56e0\u4e3a\u8d37\u6b3e\u8fdd\u7ea6\u6570\u91cf\u8fc7\u591a\u800c\u5012\u95ed,\u5c31\u50cf\u770b\u7740\u4e00\u5c4b\u5361\u7247\u5012\u584c\u4e00\u6837,\u90a3\u4e9b\u628a\u94b1\u6c89\u5165\u5e73\u53f0\u7684\u6295\u8d44\u8005\u51e0\u4e4e\u5931\u53bb\u4e86\u4e00\u5207,\u8fd9\u8868\u660e\u5728\u8df3\u5165\u4e4b\u524d\u8bc4\u4f30\u4fe1\u7528\u98ce\u9669\u662f\u591a\u4e48\u91cd\u8981\u3002<\/span><\/p>\n

\u90a3\u4e48,\u4f60\u4f1a\u5728\u4e00\u4e2a\u627f\u8bfa\u9ad8\u56de\u62a5\u7684\u5e73\u53f0\u4e0a\u6293\u4f4f\u673a\u4f1a\u5417?\u77e5\u9053\u4e00\u4e2a\u7cdf\u7cd5\u7684\u4e3e\u52a8\u53ef\u80fd\u4f1a\u8ba9\u4f60\u6d88\u5931?\u5728P2P\u501f\u8d37\u9886\u57df\u5e73\u8861\u4e50\u89c2\u4e0e\u8c28\u614e\u81f3\u5173\u91cd\u8981\u3002<\/span><\/p>\n

\u7ed3\u8bba<\/b><\/p>\n

P2P\u501f\u8d37\u548c\u4f17\u7b79\u5df2\u7ecf\u6c11\u4e3b\u5316\u4e86\u6295\u8d44\u548c\u878d\u8d44\u7684\u6e20\u9053,\u4f46\u5b83\u4eec\u5e26\u6765\u4e86\u56fa\u6709\u7684\u98ce\u9669,\u4f8b\u5982\u501f\u6b3e\u4eba\u8fdd\u7ea6\u548c\u5e73\u53f0\u5931\u8d25\u3002\u867d\u7136\u9ad8\u56de\u62a5\u7684\u6f5c\u529b\u5f88\u6709\u5438\u5f15\u529b,\u4f46\u5728\u627f\u8bfa\u4e4b\u524d\u5e73\u8861\u4e50\u89c2\u4e0e\u8c28\u614e\u5e76\u5f7b\u5e95\u8bc4\u4f30\u6bcf\u4e2a\u673a\u4f1a\u81f3\u5173\u91cd\u8981\u3002<\/span><\/p>\n

Disclaimer: \u8d5e\u52a9\u6587\u7ae0\u7684\u4f5c\u8005(s)\u5bf9\u6240\u8868\u8fbe\u7684\u4efb\u4f55\u610f\u89c1\u6216\u6240\u63d0\u51fa\u7684\u8981\u7ea6\u8d1f\u5168\u90e8\u8d23\u4efb,\u8fd9\u4e9b\u610f\u89c1\u5e76\u4e0d\u4e00\u5b9a\u53cd\u6620\u5b98\u65b9\u7684\u7acb\u573a \u5308\u7259\u5229\u6bcf\u65e5\u65b0\u95fb<\/a>\u7684,\u800c\u7f16\u8f91\u4eba\u5458\u4e5f\u4e0d\u80fd\u5bf9\u5176\u771f\u5b9e\u6027\u8d1f\u8d23\u3002<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

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