When the concept of “peer-to-peer” lending popped up a decade ago, libertarians and leftwing idealists alike cheered. For the idea of using the internet to match borrowers who needed cash with lenders seemed to epitomise the sharing economy.
10年前“個人對個人”(peer-to-peer,簡稱P2P)貸款突然興起時,自由主義者和左翼理想主義者都為之歡呼。這是因?yàn)?,利用互?lián)網(wǎng)為需要資金的借款者與貸款者牽線搭橋似乎帶有“分享型經(jīng)濟(jì)”的特征。
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