郭广昌 P2P基本上都是骗局

 　　Guo Guangchang, China’s self-styled Warren Buffett, yesterday called the country’s Rmb440bn ($65.9bn) peer-to-peer lending market basically a scam, becoming the latest figure to attack an industry that has been plagued by scandal.

　　自命中国的沃伦?巴菲特(Warren Buffett)、中国最大民营企业复星国际(Fosun Group)董事长郭广昌昨日表示，个人对个人借贷(P2P)基本上都是骗局，加入了抨击这个丑闻不断的行业的批评者行列。中国P2P市场规模已达4400亿元人民币（合659亿美元）。

　　The comment from Mr Guo, chairman of Fosun Group, China’s biggest privately¹ owned conglomerate², has added to the fierce debate over China’s P2P lending market and comes days after the government imposed new rules on the size of such operations.

　　郭广昌是在政府出台新规限制P2P借贷额度几天后发表这番言论的，让围绕中国P2P市场的激烈争论更增火药味。

　　The industry, which has grown rapidly over the past four years, is based on a business model in which individual lenders are matched with borrowers via online platforms. The loans often pay out high yields.

　　该行业近四年来发展迅速，在这种商业模式中，个人放贷者与借款者通过网络平台进行匹配，贷款利息通常较高。

　　The sector³ has been lauded⁴ for providing an alternative to low-interest deposits, but has more recently gained a reputation for hosting some of the biggest scams involving retail⁵ investor⁶ cash in China, incurring⁷ the wrath⁸ of some of the country’s top businesspeople as well as the regulators.

　　有人称赞P2P提供了利率极低的存款以外的新选择，但中国P2P行业近来却因接连曝出多起涉及庞大个人投资者资金的骗局而传出坏名声，引起中国一些顶尖商界人士以及监管官员的愤怒。

　　Mr Guo made the remarks at a press conference in Hong Kong following the release of the company’s interim⁹ results.

　　郭广昌是在复星国际于香港召开的中期业绩发布会上发表上述言论的。

　　Another Fosun executive emphasised that the company, known for using insurance premiums¹⁰ to make investments abroad, had never dabbled¹¹ in the P2P business.

　　另外一位高管强调，复星国际从未涉足P2P行业。该集团以利用保险费进行海外投资著称。

　　Earlier this month, the president of Ping An Insurance, China’s second-largest insurer, told the Financial Times that most P2P lenders were fakes and that the vast majority of China’s P2P lenders would not be able to continue their business in the future.

　　中国第二大保险公司平安集团(Ping An Insurance)总经理上月告诉英国《金融时报》，中国多数P2P贷款平台都是骗子，绝大多数平台未来将难以继续经营下去。

　　The president of Ant Financial Services, a subsidiary of Alibaba that houses the group’s payments and credit scoring platforms, has also tried to distance the company from China’s broader P2P lending market.

　　阿里巴巴(Alibaba)旗下负责运营支付及信用评分平台的蚂蚁金服(Ant Financial Services)的总裁也极力跟P2P撇开关系。

　　That large financial companies would attack P2P lending comes as no surprise.

　　大型金融公司抨击P2P并不令人意外。

　　Within the past year, ordinary Chinese people have fallen victim to scandals in which online financial platforms have disappeared with billions of dollars, provoking angry protests on the streets.

　　过去一年里，多个在线融资平台消失，每每涉及数十亿美元资金，受害者多为普通老百姓，许多人愤而走上街头举行抗议活动。

1 privately   

adv.以私人的身份，悄悄地，私下地

参考例句：

• Some ministers admit privately that unemployment could continue to rise.一些部长私下承认失业率可能继续升高。
• The man privately admits that his motive is profits.那人私下承认他的动机是为了牟利。

2 conglomerate   

n.综合商社，多元化集团公司

参考例句：

• The firm has been taken over by an American conglomerate.该公司已被美国一企业集团接管。
• An American conglomerate holds a major share in the company.一家美国的大联合企业持有该公司的大部分股份。

3 sector   

n.部门，部分；防御地段，防区；扇形

参考例句：

• The export sector will aid the economic recovery. 出口产业将促进经济复苏。
• The enemy have attacked the British sector.敌人已进攻英国防区。

4 lauded   

v.称赞，赞美( laud的过去式和过去分词 )

参考例句：

• They lauded the former president as a hero. 他们颂扬前总统为英雄。 来自辞典例句
• The nervy feats of the mountaineers were lauded. 登山者有勇气的壮举受到赞美。 来自辞典例句

5 retail   

v./n.零售；adv.以零售价格

参考例句：

• In this shop they retail tobacco and sweets.这家铺子零售香烟和糖果。
• These shoes retail at 10 yuan a pair.这些鞋子零卖10元一双。

6 investor   

n.投资者，投资人

参考例句：

• My nephew is a cautious investor.我侄子是个小心谨慎的投资者。
• The investor believes that his investment will pay off handsomely soon.这个投资者相信他的投资不久会有相当大的收益。

7 incurring   

遭受，招致，引起( incur的现在分词 )

参考例句：

• Many of the world's farmers are also incurring economic deficits. 世界上许多农民还在遭受经济上的亏损。
• He spoke to the Don directly, taking a chance on incurring Michael's ill will. 他直接向老头子谈自己的意见，这显然要冒引起迈克尔反感的风险。 来自教父部分

8 wrath   

n.愤怒，愤慨，暴怒

参考例句：

• His silence marked his wrath. 他的沉默表明了他的愤怒。
• The wrath of the people is now aroused. 人们被激怒了。

9 interim   

adj.暂时的，临时的；n.间歇，过渡期间

参考例句：

• The government is taking interim measures to help those in immediate need.政府正在采取临时措施帮助那些有立即需要的人。
• It may turn out to be an interim technology.这可能只是个过渡技术。

10 premiums   

n.费用( premium的名词复数 )；保险费；额外费用；（商品定价、贷款利息等以外的）加价

参考例句：

• He paid premiums on his life insurance last year. 他去年付了人寿保险费。 来自《现代英汉综合大词典》
• Moves are afoot to increase car insurance premiums. 现正在酝酿提高汽车的保险费。 来自《简明英汉词典》

11 dabbled   

v.涉猎( dabble的过去式和过去分词 )；涉足；浅尝；少量投资

参考例句：

• He dabbled in business. 他搞过一点生意。 来自辞典例句
• His vesture was dabbled in blood. 他穿的衣服上溅满了鲜血。 来自辞典例句