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据统计,到2013年中国民间的累积存款已经超过43万亿元,其中包括信托的产品和银行理财的产品等。这说明中国老百姓拥有非常大的财富,但一直以来这些财富并没有得到释放,因为之前所设计的相关金融制度,一直压制着金融改革的创新。直到现阶段,才开始慢慢的得到释放。关于P2P的起源,最早始于孟加拉国。最初的目的,是要把国有商业银行的资金用于农村一些非常贫困的农民,帮助他们用低成本的资金供给原材料,并形成销售。这个理念被传播到英国以后,通过互联网和金融相
According to statistics, by 2013 China’s accumulated deposits of folk have exceeded 43 trillion yuan, including trust products and bank wealth management products. This shows that Chinese people have very large wealth, but these wealth have never been released because the related financial system designed before has been suppressing the innovation of financial reform. Until now, only slowly began to be released. The origins of P2P, the earliest began in Bangladesh. The initial purpose was to use the funds of state-owned commercial banks for some very poor peasants in rural areas to help them supply raw materials and make sales with low-cost funds. This concept was spread to the United Kingdom after the Internet and through the financial phase