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GROWTH Street认为,英国央行本月决定维持利率可能会推动个人进行P2P投资。
央行货币政策委员会周四一致投票决定将基准利率维持在0.75%。
较低的基准利率逐渐降低到高街银行的低利率,这意味着人们的储蓄正在受到负面影响,因为他们没有太大的兴趣来抵消当前1.9%的通货膨胀率。
此外,无交易脱欧的风险上升推动了今年晚些时候降息的可能性。
P2P商业贷款机构Growth Street认为,这间接促进了P2P贷款的发展,因为愿意将资金置于风险中的个人将寻求更高的回报。
首席执行官格雷格卡特表示,“英格兰银行的利率虽然暂时保持不变,但仍然没有为英国储蓄者描绘出积极的情况,”
“由于英国脱欧的不确定性和更广泛的政治转变继续破坏经济稳定,它们仍远低于通胀水平,并且仍有可能进一步下跌。利率长期以来一直处于低谷,而且我们看到很多人选择将他们辛苦赚来的钱用于像Growth Street这样的P2P借贷平台。”
英国央行在未来两年也下调了对英国经济的增长预测,并警告英国将在六个月内陷入经济衰退的可能性为三分之一,即使英国脱欧协议于10月达成协议 。
英文:
GROWTH Street thinks that the Bank of England’s decision to hold interest rates this month could drive individuals towards peer-to-peer investing.
The central bank’s monetary policy committee voted unanimously on Thursday to maintain the base rate at 0.75 per cent.
A low base rate trickles down into low interest rates at high street banks, meaning people’s savings are being eroded as they are earning too little interest to offset the current inflation rate of 1.9 per cent.
Furthermore, rising risks of a no-deal Brexit have boosted the likelihood of a rate cut later in the year.
P2P business lender Growth Street has argued that this bolsters the case for P2P lending, as individuals willing to put their capital at risk will be seeking out higher returns.
“The Bank of England rates, though holding for now, still don’t paint a positive picture for UK savers,” said Greg Carter (pictured), chief executive of Growth Street.
“They remain well below levels of inflation and are still likely to drop further as uncertainty around Brexit and broader political shifts continue to destabilise the economy.
“Interest rates have long sat at rock-bottom, and we’ve seen many individuals choose to put their hard-earned money to work in P2P lending platforms like Growth Street instead.”
The Bank of England also cut its growth forecasts for the UK economy over the next two years and warned that there is a one-in-three chance that Britain will be in a recession in six months, even if a Brexit deal is agreed in October.
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