New P2P lending problems emerge
P2P借贷问题不断
Jiangsu-based online peer-to-peer (P2P) lending firm Easy Richness, which reportedly has drawn more than 10 billion yuan (1.55 billion dollars) in investment, said it was unable to pay back investors as the company’s bank accounts have been frozen by police, the company said in a statement posed on its website Wednesday.
据报道，江苏的互联网P2P借贷公司“易乾财富”已经吸收了超过100亿元(约合15.5亿美元)的投资。而在本周三，该公司在官方网站上发表声明，因为警方冻结了它的银行账户，所以公司目前无法支付返还客户的投资。
It came after the Shanghai branch of the Beijing-based online P2P firm rowerp2p.com, which has over 10,000 investors and more than 10 billion yuan in investment, was reportedly investigated by the police because of illegal financing, domestic news portal yicai.com said Tuesday.
而在前一天，国内新闻门户网站“第一财经”刚刚报道了北京“融宜宝”上海分公司因涉嫌非法融资而被警方调查的消息。被调查前，该公司拥有超过10000名投资者，募集资金超过100亿元。
Rowerp2p.com immediately denied the probe in a statement posted on its website late on Tuesday. But problems can undoubtedly be seen in the company’s business, news portal sina.com.cn reported Wednesday, citing an employee.
尽管融宜宝立即在其官网上发表了否认调查的申明。但新浪在周三的时候援引了融宜宝一位员工的说法，报道说毫无疑问融宜宝的业务是存在问题的。
There have been a number of scandals and operating problems in China’s growing online P2P lending sector recently.
近年来，中国日益发展的P2P借贷市场发生了许多丑闻和经营问题。
In the first quarter of 2016, about 260 P2P platforms reported problems in their business operation, up 42.08 percent year-on-year, news portal cngold.com.cn said Monday.
据中金网在周一的报道，2016年第一季度约有260家P2P平台报告他们的业务存在问题，同比增长42.08%。
Also, Ezubao, one of the largest domestic online financing platforms, was found in February to have cheated about 900,000 investors out of more than 50 billion yuan through fake investment projects.
与此同时，在一月份的时候，国内最大网络融资平台之一的易租宝被发现利用假投资项目欺骗了超过90万投资者，非法募得超过500亿的资金。
The problems among P2P firms is partly due to the lack of scrutiny of their qualifications and inadequate supervision by the relevant authorities, Lu Zhenwang, founder of Shanghai Wanqing Commerce Consulting, told the Global Times Wednesday.
上海“万擎商务咨询”创始人鲁振旺在周三的时候告诉《环球时报》，说造成目前P2P公司问题的一部分原因是缺少从业资质审查和有关部门的监管不力。
It is too easy for fraudulent firms to enter the market, "as supervision of relevant certificates and licenses is not strict and there is not enough regulation," Lu said.
鲁振旺说骗子公司进入这个市场实在是太简单了，“因为对相关从业资格的审核以及许可证的颁发并不严格，而且也缺少市场监管”。
Shen Zhongxiang, an industry analyst at Beijing-based market research firm Analysys International, agreed, saying that China’s currently underdeveloped credit rating system is another factor contributing to problems in P2P lending.
北京市场研究公司“易观国际”的行业分析员沈钟祥同意鲁振旺的说法，并说中国目前不发达的信用评级系统是导致P2P问题不断的另一个重要原因。
"The risk prevention system should [also] be improved in the domestic capital market," Shen noted.
沈钟祥说道：“中国资本市场的风险防控系统也应该得到改善。”
"By presenting themselves as P2P firms, some companies have swindled money from investors by offering them fake projects, resulting in large losses for the investors," Lu said.
鲁振旺说道：“一些骗子公司利用了P2P这个平台，向投资者提供虚假的投资项目以诈骗他们的钱财，造成了投资者巨大的损失。”
2015 saw a sharp rise in the number of P2P platforms operating across the country. The number of online lending platforms reached 3,844 in the domestic market, but about 950 of them were found to have problems in their operations, up 221 percent on a yearly basis, Beijing-based Legal Daily newspaper reported Tuesday, citing industry data.
《法制日报》在周二的时候引用行业数据，报道说2015年在中国全国范围内，P2P平台数量经历了一个急剧的增长。2015年中国互联网P2P借贷平台的的数量达到了3844家，但是其中有950家公司被发现存在业务问题，同比增长221%。
China’s court system dealt with a total of 1.42 million cases involving P2P lending in 2015, said a work report by the Supreme People’s Court in March, the Xinhua News Agency reported. The cases involved 820.75 billion yuan in funds, said the work report.
新华社报道，据最高人民法院三月份的报告指出，2015年中国法院一共受理了超过142万起与P2P借贷有关的案件。报告还指出，所有与P2P有关的案件涉案金额高达8207.5亿元。
The lending platforms have spread across the country and generally attract individual investors with high earnings.
中国许多地方都已经开办了P2P借贷业务，，这些公司以其高额的回报吸引了大量的个人投资者。
"After seeing so many illegal financing cases, I am quite cautious when the annual returns offered by P2P brokers are higher than 10 percent," an investor in Beijing surnamed Chen told the Global Times Wednesday.
周三的时候，北京投资者陈先生告诉《环球时报》，说：“当我了解到有这么多非法集资的案件后，如果P2P经纪人向我提供年化收益10%以上的项目的话，我就会很犹豫了。”
"I prefer to choose P2P brokers founded by large and well-known firms, which could secure investors’ interests to some extent," he noted.
他说道：“我更倾向于选择那些有名气的大公司，让他们的P2P经纪人来代理我的投资，这样我的利益多少会更有保障一些。”
(责任编辑：田学江)