essay 代寫：借貸組織
essay 代寫：借貸組織
Zopa是一個P2P或對等借貸組織，總部設在英國，通過網絡接口連接各個貸款人。 Zopa成立於2005年，最初只有300名成員，但在幾個月的時間裡，公司發展迅速，擁有25000名客戶(Milne et al.， 2016)。 2012年，該公司成為在零售金融領域引起關注的網絡公司之一。這一機會使那些希望貸款的人得以與那些希望藉款的人合作。貸款人不僅向特定的個人提供資金，還向由於相同的信用價值而聚集在一起的人提供資金(Casu et al.， 2015)。從技術上講，Zopa並不是一個金融機構，它也不能靠自己來放貸。然而，運營這一業務所需的資金相對較少，在2012年的最初一年，該組織只僱傭了27人。該公司維持的平均利率為每年6.6%，公司的貸款在全國最便宜。
essay 代寫：借貸組織
與此同時，回報率的享受風險要低得多(Milne et al.， 2016)。到目前為止，人們貸款的最普遍的原因是購買汽車和改善他們的住房。但Zopa的儲戶進一步幫助為一些人生命中最獨特的時刻提供資金，比如婚禮貸款、購買訂婚戒指，甚至購買摩托車。 2010年至2012年期間，該公司被評為最值得信賴的個人貸款提供者，並在2010年的“金錢智慧”獎中為客戶提供最佳服務。借款人的主要優勢在於，他們有能力在較短的時間內以較低的利率借款，並獲得較低的資本數額(Milne等人，2016年)。到2012年初，Zopa不到1%的貸款開始轉化為無法收回的債務，這是英國所有銀行中違約率最低的。 Zopa的首席執行官安德魯斯也認為，該公司通過在貸款中註入社會方面的資金，實現瞭如此低的違約率(Casu et al.， 2015)。 Zopa的成員可以在網站上看到其他成員的用戶名。
essay 代寫：借貸組織
Zopa is a P2P or peer to peer lending organization based in UK with individual lenders connected through an interface over the web. Zopa was launched in the year 2005, and started only with 300 members but in some months itself, the company grew so much that it had 25000 customers (Milne et al., 2016). In the year 2012, the company became one of the web based firms grabbing attention across retail finance world. Such an opportunity allowed those who wished to lend, to collaborate, with those who wished borrowing. Money was proffered by lenders not only to a particular individual but to people grouped collectively due to the same credit worthiness (Casu et al., 2015). Zopa technically was not a financial institution and it could not lend money by its own self. However, the capital needs for running this business were small, relatively and the organization employed only 27 individuals at the 2012 initial year. The average rate of interest maintained by the company was at 6.6 percent each year with loans from the company being cheapest across the nation.
essay 代寫：借貸組織
Returns were enjoyed at the same time at a much lower risk (Milne et al., 2016). Till now, the most general reasons why people took loans was to purchase automobiles and for improvements of their homes. But the savers at Zopa further helped in funding for most unique moments in some person’s life such as wedding loans, buying rings for engagement and even for motor cycle purchase. The company throughout 2010-2012 was voted as the most trusted individual provider for loan and best service giver for customers across 2010 in the Awards of Moneywise. The key advantage for borrowers was the fact that they had the ability of borrowing at a cheaper rate over a shorter time period and for smaller capital amounts (Milne et al., 2016). By the initial years of 2012, less than 1 percent loans of Zopa started to turn into debts of uncollectible nature which was the rate of default with lowest readings across any lender in UK. It was also believed by Andrews, the CEO of Zopa that the company has managed to achieve such lower rates of default through social aspect injection within lending (Casu et al., 2015). Members of Zopa had the ability of seeing other member’s usernames over the site whenever they borrowed or they lent.
