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马文彦（Winston Ma）《China's Mobile Economy》8.2 P2P 和网络银行贷款
Similar to creating new equity financing channels in the form of crowdfunding, the internet has also revolutionized the lending market. Online peer-to-peer (P2P) lending is the practice where ordinary consumers lend directly to individuals and small businesses using online platforms, without using a traditional financial intermediary such as a bank. Historically, commercial banks found small size loans too costly to cover, but these days digitally mediated transactions are reducing lending costs
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马文彦（Winston Ma）《China
On January 4, 2015, the internet firm Tencent launched China's first internet-based bank “WeBank”. One of the five privately funded banks approved by China's central bank, PBOC, WeBank in Chinese suggests a bank for “micro and many”, reflecting its focus on ordinary individuals and small businesses and its linkage to the internet and social network. The ceremony was officiated by Premier Li Keqiang, and he pressed the “enter” button on a computer to send out the first loan of RMB35,000 ($5,400)
