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Nothing personal

机译：与个人无关

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"GET YOUR money right," says a giant billboard in garish, Instagram-friendly colours in San Francisco's downtown. It is part of a campaign by SoFi, a fin-tech firm, to position itself as a one-stop shop for alternative finance. Founded in 2011 to cut the cost of student loans by enabling alumni to sponsor undergraduates, last year SoFi spent over $2oom courting shoppers, homebuyers and young parents. It now collects funding from a wide variety of investors, including big institutions. The vision behind peer-to-peer (P2P) lending-allowing one ordinary person with spare cash to help another with a decent plan for spending it-was always a romantic one. Today only a few die-hards like RateSetter, a decade-old British lender, still hew to it; the rest, like SoFi, have diversified. New rules in Britain are the first salvo in a regulatory effort that will bring greater scrutiny. The bets P2P firms have made as they have grown will make or break them. Zopa was the first P2P lender, in Britain in 2005, closely followed by Prosper and LendingClub in America. The industry took off after the financial crisis of 2008, when consumers lost confidence in banks and started to move their lives online. The idea was that lower costs and less red tape would enable firms to serve clients whom banks shunned.

机译：“把您的钱弄对，”旧金山市区一个巨大的广告牌，上面装饰着华丽的Instagram友好色彩。这是金融科技公司SoFi开展的一项运动的一部分，该运动旨在将自己定位为替代金融的一站式商店。 SoFi成立于2011年，旨在通过帮助校友资助大学生来降低学生贷款的成本，去年，SoFi花费了2美元来吸引购物者，购房者和年轻的父母。现在，它从包括大型机构在内的各种投资者那里筹集资金。点对点（P2P）贷款背后的愿景是允许一个普通人拥有多余的现金，以帮助另一个人制定一个体面的支出计划，这一愿景始终是浪漫的。如今，只有十年之久的顽固分子，如英国的十年贷款机构RateSetter仍然坚持使用。其余的如SoFi一样，已经多样化。英国的新规则是监管工作中的首例，它将引起更多审查。 P2P公司随着其发展而做出的下注将成败。 Zopa是2005年在英国的第一家P2P贷方，紧随其后的是Prosper和LendingClub在美国。该行业在2008年金融危机之后开始兴起，当时消费者对银行失去了信心，并开始将生活转移到网上。想法是更低的成本和更少的繁文tape节将使公司能够为银行回避的客户提供服务。

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《The economist》 |2019年第9172期|66-66|共1页
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1. Good for you!:Research shows volunteering builds personal and professional skills - and keeps the pounds off!:Research shows volunteering builds personal and professional skills - and keeps the pounds off!:Research shows volunteering builds personal and professional skills - and keeps the pounds off! [J] . Edward P. Salek Tribology & Lubricaion Technology . 2019,第5期

机译：对你有好处！：研究表明志愿服务建立个人和专业技能 - 并保持磅数！离开！
2. A personal view of the personal health record. HIM professional sees the personal and professional benefits of PHRs. [J] . HicksJ.E. Journal of AHIMA . 2009,第6期

机译：个人健康记录的个人视图。 HIM专业人员看到了PHR的个人和专业利益。
3. Personal, Personal, Personal - und welche Karriere? [J] . HELMUT SENDNER Energie & Management . 2007,第19期

机译：人员，人员，人员-哪个职业？
4. Personal Data Discoverability to Human Searchers: Observations on Personal Data Availability [C] . Kirsten E.Richards International Conference on HCI for Cybersecurity, Privacy and Trust;International Conference on Human-Computer Interaction . 2020

机译：搜索者对个人数据的可发现性：对个人数据可用性的观察
5. Bridging the Gap between Personal Survival and Personal Ontology [D] . Blanchette, Kyle Richard. 2020

机译：弥合个人生存与个人物品之间的差距
6. Personal Metaphors as Motivational Resources: Boosting Anticipated Incentives and Feelings of Vitality Through a Personal Motto-Goal [O] . Thomas H. Dyllick, Oliver Dickhäuser, Dagmar Stahlberg 2021

机译：个人隐喻作为励志资源：通过个人座右者目标提高预期的激励和活力感受
7. Commission Communication on the protection of individuals in relation to the processing of personal data in the Community and information security. Proposal for a Council Directive concerning the protection of individuals in relation to the processing of personal data. Draft Resolution of the Representatives of the Governments of the Member States of the European Communities meeting within the Council. Commission Declaration on the application to the institutions and other bodies of the European Communities of the principles contained in the Council Directive concerning the protection of individuals in relation to the processing of personal data. Proposal for a Council Directive concerning the protection of personal data and privacy in the context of public digital telecommunications networks, in particular the integrated services digital network (ISDN) and public digital mobile networks. Recommendation of a Council Decision on the opening of negotiations with a view to the sccession of the European Communities to the Council of Europe Convention for the protection of individuals with regard to the automatic processing of personal data. Proposal for a Council Decision in the field of information security. COM (90) 314 final, 13 September 1990 [O] . 1990

机译：委员会关于保护个人在社区中处理个人数据和信息安全的沟通。关于保护与个人数据处理有关的个人的理事会指令的提案。欧洲共同体成员国政府代表在理事会内举行会议的决议草案。委员会关于向欧洲共同体机构和其他机构申请的关于保护个人数据处理方面的理事会指令所载原则的声明。关于在公共数字电信网络，特别是综合业务数字网（IsDN）和公共数字移动网络中保护个人数据和隐私的理事会指令的提案。建议理事会关于开放谈判的决定，以期欧洲共同体对欧洲委员会的让步，以保护个人自动处理个人数据。关于理事会在信息安全领域的决定的提案。 COm（90）314决赛，1990年9月13日
8. Study of the Use of Personal Equipment in Low Coal. Use of Personal Equipment in Low Coal: A Review of the Personal Equipment Literature. Phase I Report [R] . Sanders, M. S. , Beith, B. , Blake, T. 1978

机译：低煤中个人设备使用的研究。低煤中个人设备的使用：个人装备文献综述。第一阶段报告

Nothing personal

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