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如今,P2P借贷俄罗斯的状况表明,俄罗斯的银行存款超过24万亿卢布。这是一笔可观的金钱,没有在任何地方投资,因此,极大地减缓了俄罗斯联邦内部经济的发展。造成这种情况的原因有很多,因此让我们来看一下主要的原因。
第一个也是主要的问题是缺乏信任。在苏联时期和独立的俄罗斯联邦中,中老年人都经历了太多的问题时期和情况,因此他们倾向于怀疑任何创新,并对新技术保持完全怀疑的态度。
另一个障碍是,总体上对区块链技术,众筹和对等贷款的了解和知识太少。大多数公民不知道什么是群众投资和众筹,有时他们甚至不想了解这个迅速变化的市场。每个人都习惯了银行的概念及其在社会中的功能,因此出现了对新可能性的普遍无知。
此外,有些人认为点对点和众包平台的利率过高,尽管大多数人忘记了银行的有效利率是完全相同的。
总的来说,我们可以得出结论,P2P借贷俄罗斯的大多数问题是由伴随人们多年的简单偏见引起的。但是,我们确实相信在不久的将来有可能改变这种看法。而且,这种变革过程已经开始,Welltrado非常高兴能参与其中。
p2P lending Russia status nowadays shows that there are more than 24 trillion rubles on bank deposits in Russia. This is a significant amount of money which is not invested anywhere, thus, significantly slows down the development of the economy within the Russian Federation. There are several reasons for such situation, so let’s look at the main ones at large.
The first and the main issue is lack of trust. The middle-aged and elderly people have been through too many problematic periods and situations both during USSR period and in independent Russian Federation, so they tend to doubt any innovation and remain totally sceptical towards new technologies.
Another obstacle is that there is too little understanding and knowledge of Blockchain technology, crowdfunding and peer-to-peer lending in general. The majority of citizens have no idea what crowdinvesting and crowdlending is, and sometimes they don’t even want to learn about this rapidly changing market. Everybody got used to the notion of banks and their functions in the society, so a common ignorance towards new possibilities appears.
Furthermore, some people think that interest rates of peer-to-peer and crowdlending platforms are too high, although most of them forget that the effective rates in banks are completely the same.
Overall, we may conclude that most of the problems of P2P lending Russia are caused by simple prejudices that have accompanied people for many years. However, we do believe that it will be possible to change such perception in the nearest future. Moreover, this process of change has already begun and Welltrado is really glad to be a part of it.
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