Posted by Jay > 2017-06-12 22:26 | Report Abuse

market is not mature yet. the returns offered do not sufficiently compensate for the risks

Posted by bursagoinglong > 2017-06-13 09:16 | Report Abuse

I agree. I cant see interest rates going higher in a low interest environment.

Posted by yangstyle10forms > 2017-06-18 09:42 | Report Abuse

Actually this mechanism existed long long time ago, mechanism invented by our ancestors. It was known as "Kutu" or "Hui Chien". Only in recent days, it is re-term as P2P lending.

Or course there are some differences but the mechanism still work on similar basis = crowd funding. This crowd funding quite useful actually if utilize in discipline manner.