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 privately owned conglomerate, 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 sector has been lauded for providing an alternative to low-interest deposits, but has more recently gained a reputation for hosting some of the biggest scams involving retail investor cash in China, incurring the wrath 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 interim 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 premiums to make investments abroad, had never dabbled 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。