在国内P2P平台不断传出负面消息的时候,大洋彼岸的美国,却有一家同行已经上市。这家叫做“借贷俱乐部”(Lending Club)的P2P公司成立于2006年,现在市值高达85亿美元,已经是全球同类公司的榜样。“借贷俱乐部”的优势在于:一方面,借款利率要低于信用卡公司和银行;另一方面,通常来说借款人无需资产抵押担保。对个人投资者(贷款人)而言,则将获得更高的回报率。如今,新投资者已守在P2P的大门口,包括P2P曾经想绕过的大型金融机构。成立之初, In the domestic P2P platform constantly spread negative news when the United States across the ocean, there is a peer already listed. Founded in 2006 as Lending Club’s P2P company, which now stands at $ 8.5 billion, it is already a role model for companies in the world. The advantage of “lending clubs” is that on the one hand, borrowing interest rates are lower than those of credit card companies and banks; on the other hand, borrowers generally do not need asset-backed guarantees. For individual investors (lenders), you will get a higher rate of return. Nowadays, new investors are already guarding P2P’s gateways, including the big financial institutions that P2P once wanted to bypass. At the beginning of establishment,