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通过网络向陌生人借钱

时间：2007-01-22 16:00:00

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（单词翻译）

Nora Penic: What's that ?

Betsy Stark1: When Nora Penic applied2 for a bank loan to buy a $2, 700/choclate fountain for her fledgling catering3 business. . .

Nora Penic: They showed me the door, so. . .

Betsy Stark: Penic had declared bankruptcy4 after running up $250, 000 in medical bills for (an) open-heart surgery.

Nora Penic: They don't look at the person. They don't look at the human factor. All they look at is the numbers.

Betsy Stark: Penic's only alternative would've been to borrow money on a credit card, in her case, at a staggering 29% interest, but now she and other prospective5 borrowers can appeal directly to the public, all thanks to the Internet.

Betsy Stark: On Prosper6. com borrowers post listings of the loans they want and why, along with their credit scores and the interest they are willing to pay. Anonymous7 individuals then make offers to the borrowers they like, stating how much they're willing to lend and at what rate. Prosper CEO says it's a lot like eBay, but for money.

Chris Larsen: If you leave this to people, they'll, they'll do better than institutions can.

Betsy Stark: Jane Boole is one of hundreds of lenders on Prosper. com. She's already made 140 loans worth $22, 000 at an average interest rate of 22%.

Jane Boole: I 'm also very partial to sort of the corky business stating a little help.

Betsy Stark: But Boole knows lending on Prosper is risky8 business.

Betsy Stark: There's no assurance you'll get repaid. . .

Jane Boole: No, none whatsoever9.

Betsy Stark: Certified10 financial planner David Mendels calls it closer to gambling11 than investing.

David Mendels: If I walked up to you on the street and I say , "Here's a copy (of) my credit rating. Would you like to lend me $10,000? Chances are I'd have a hard time getting any money out of you.

Betsy Stark: Even Nora conceives it's a giant leap of faith.

Nora Penic: You're asking money from absolute strangers.

Betsy Stark: But now she has the money for her chocolate fountain at 15% interest.

Betsy Stark: Betsy Stark , ABC News, New York.


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1 stark lGszd     
adj.荒凉的；严酷的；完全的；adv.完全地
参考例句：
  • The young man is faced with a stark choice.这位年轻人面临严峻的抉择。
  • He gave a stark denial to the rumor.他对谣言加以完全的否认。
2 applied Tz2zXA     
adj.应用的；v.应用，适用
参考例句：
  • She plans to take a course in applied linguistics.她打算学习应用语言学课程。
  • This cream is best applied to the face at night.这种乳霜最好晚上擦脸用。
3 catering WwtztU     
n. 给养
参考例句：
  • Most of our work now involves catering for weddings. 我们现在的工作多半是承办婚宴。
  • Who did the catering for your son's wedding? 你儿子的婚宴是由谁承办的？
4 bankruptcy fPoyJ     
n.破产；无偿付能力
参考例句：
  • You will have to pull in if you want to escape bankruptcy.如果你想避免破产，就必须节省开支。
  • His firm is just on thin ice of bankruptcy.他的商号正面临破产的危险。
5 prospective oR7xB     
adj.预期的，未来的，前瞻性的
参考例句：
  • The story should act as a warning to other prospective buyers.这篇报道应该对其他潜在的购买者起到警示作用。
  • They have all these great activities for prospective freshmen.这会举办各种各样的活动来招待未来的新人。
6 prosper iRrxC     
v.成功，兴隆，昌盛；使成功，使昌隆，繁荣
参考例句：
  • With her at the wheel,the company began to prosper.有了她当主管，公司开始兴旺起来。
  • It is my earnest wish that this company will continue to prosper.我真诚希望这家公司会继续兴旺发达。
7 anonymous lM2yp     
adj.无名的；匿名的；无特色的
参考例句：
  • Sending anonymous letters is a cowardly act.寄匿名信是懦夫的行为。
  • The author wishes to remain anonymous.作者希望姓名不公开。
8 risky IXVxe     
adj.有风险的，冒险的
参考例句：
  • It may be risky but we will chance it anyhow.这可能有危险，但我们无论如何要冒一冒险。
  • He is well aware how risky this investment is.他心里对这项投资的风险十分清楚。
9 whatsoever Beqz8i     
adv.（用于否定句中以加强语气）任何；pron.无论什么
参考例句：
  • There's no reason whatsoever to turn down this suggestion.没有任何理由拒绝这个建议。
  • All things whatsoever ye would that men should do to you,do ye even so to them.你想别人对你怎样，你就怎样对人。
10 certified fw5zkU     
a.经证明合格的；具有证明文件的
参考例句：
  • Doctors certified him as insane. 医生证明他精神失常。
  • The planes were certified airworthy. 飞机被证明适于航行。
11 gambling ch4xH     
n.赌博；投机
参考例句：
  • They have won a lot of money through gambling.他们赌博赢了很多钱。
  • The men have been gambling away all night.那些人赌了整整一夜。

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