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尤努斯和他的“穷人银行”不仅赢得了2006年的诺贝尔和平奖,而且还让张俊萌生了创立网络“穷人银行”的想法。虽然张俊的拍拍贷已抢占先机,但是随着行业竞争的加剧以及潜在风险的影响,拍拍贷尚待考验。当时还在微软工作的张俊看到这样一个事实:在最贫穷的国家还有这样一群穷人,他们的偿还率竟然高达98.7%。这个事实也启发了张俊要为中国大量的小微企业创建高效稳定的融资渠道。网络P2P借贷平台无疑成为了一个不错的选择,而当时在欧美等电子商务发达的国家早已出现了相似的案例。
Yunus and his “Bank for the Poor” won not only the 2006 Nobel Peace Prize, but also the idea of establishing a network of “poor banks.” Although Zhang Jun’s pat loan has seized the first chance, as the competition in the industry intensifies and the potential risks, the pat loan is still to be tested. Zhang Jun, who was still working in Microsoft at that time, saw the fact that in the poorest countries there are still such poor people whose rates of repayment are as high as 98.7%. This fact also inspired Zhang Jun to create efficient and stable financing channels for a large number of small and micro enterprises in China. Internet P2P lending platform will undoubtedly become a good choice, but at that time in Europe and the United States and other developed e-commerce countries have already appeared in similar cases.