This growth must, however, be carefully managed. The very factors that enable online P2P platforms to deliver loans quickly and broadly – that is, their reliance on consumer credit-ratings databases and eschewal of collateral or guarantees – can generate risks, as they leave important questions about borrowers unanswered.
但是，行业的增长必须小心管理。让P2P平台能够迅速而广泛地提供贷款的因素——依靠消费者信用评级数据库、免除抵押或担保——可能带来风险，因为关于借款人的许多问题得不到回答。