9月份P2P交易規模同比增長一倍 投資者熱情依舊高漲

Outstanding peer-to-peer (P2P) loans in China soared 153.5 percent year on year to hit a record high at the end of September, a latest industry report showed.

據最近一份行業報告顯示，九月底，中國蓬勃發展的P2P借貸再次暴漲，借貸額同比去年增長了153.5%，達到歷史新高。

Loans had reached 956 billion yuan (145 billion US dollars) at the end of September, according to P2P industry portal .

據P2P行業門戶網站第一網貸的數據顯示，截止九月底，P2P借貸總額已經達到了9560億元人民幣（約合1450億美元）。

P2P lending -- lending without a traditional financial intermediary such as a bank -- has grown quickly in China as investors pursue higher returns and small businesses and individuals seek secure funds online.

P2P借貸不需要通過像銀行那樣的傳統金融中介，P2P融資在中國增長十分迅速，其原因是因爲投資者們追求高額的回報，而小企業和個人則希望在網上尋求安全的資金。

Lack of supervision has made the industry risky for investors and many P2P platforms have been implicated in shady fund raising.

由於缺乏監管，投資者們面臨很大的行業風險，而且許多P2P平臺都有私自募集資金的問題。

As of the end of September, there were 2,297 P2P platforms, 37.1 percent of the total, with operational problems, the report said.

這份報告顯示，截止今年九月底，全國2297家P2P平臺有操作問題，這一數字佔據P2P平臺總數的37.1%。

The average interest rate for P2P lending stood at 8.7 percent, unchanged from a month earlier and still near a record low.

不過P2P貸款的平均利率爲8.7%，和前一個月相比沒有變化，仍然接近於歷史低點。

In August, the China Banking Regulatory Commission introduced new rules prohibiting P2P lenders from accepting deposits from the general public, preventing them from pooling investors' money for their own projects and capping the amount of individual loans.

今年8月份，中國銀監會出臺了新規，禁止P2P貸款人接受公衆存款，從而防止他們爲自己的項目募資、防止他們哄擡個人貸款上限。