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Yirendai, the Chinese peer-to-peer lender hit by share price falls after its US listing last week, says it has a two-year “window of opportunity” before international rivals enter its home market.
中國個人對個人(P2P)貸款平臺宜人貸(Yirendai)表示，在國際競爭對手進入中國市場之前，該公司擁有兩年的“機會窗口期”。宜人貸上周在美國上市后，股價出現下跌。
On Friday, shares in the subsidiary of CreditEase, the Chinese group, listed on the New York Stock Exchange but suffered intraday falls of as much as 16.5 per cent. This initial public offering, to raise $75m, marked the first time a Chinese peer-to-peer lender had sold shares internationally.
上周五，宜人貸在紐約證交所(New York Stock Exchange)上市，但盤中股價最多下跌16.5%。宜人貸是中國企業宜信(CreditEase)旗下子公司。宜人貸此次首次公開發行(IPO)預計融資7500萬美元，這是中國首家在海外上市的P2P貸款機構。
Yirendai, China’s version of Lending Clubor Funding Circle, claimed it facilitated $984m of loans during the first nine months of 2015, having made only $41m of loans in the whole of last year.
宜人貸是中國版的Lending Club或Funding Circle，該公司聲稱，在今年頭9個月里，促成了9.84億美元貸款，而去年全年僅放貸4100萬美元。
Tang Ning, executive chairman, said most of the loans were extended to people who would not previously have had access to finance. He expected demand to surge over the coming years.
宜人貸首席執行官兼董事長唐寧表示，多數貸款發放給了原本無處融資的人士。他預測，未來幾年需求將飆升。
P2P loans outstanding in China already exceed RMB200bn (20bn) — far more than the 3.15bn of outstanding P2P loans the Peer-to-Peer Finance Association recorded in the UK at the end of July.
中國的未清償P2P貸款余額已超過2000億元人民幣(合200億英鎊)，而根據英國P2P融資協會(Peer-to-Peer Finance Association)數據，7月底未清償P2P貸款余額為31.5億英鎊。
However, more than 370 Chinese P2P lenders have already failed — including 270 in the year to June — according to research by Morgan Stanley and Wangdaizhija, the industry tracker.
然而，根據摩根士丹利(Morgan Stanley)和網貸之家的研究，中國已有超過370家P2P貸款機構破產（截至6月的一年有270家破產）。
Companies in the sector are expected to face increased regulation in coming years. Some international banks have been eyeing the Chinese P2P market but Mr Tang said “high entry barriers” should ensure existing domestic providers dominate the market.
預計未來幾年該行業的企業將面臨更嚴格監管。一些跨國銀行一直在關注中國P2P市場，但唐寧表示，“準入門檻高”將使現有的國內平臺能夠占據市場主導地位。
