é?????a????2???a?? é??é??????????????è′·????????1???-???è′·???

è?????è?a2015?1′??￥??￥???P2Pè??????oo?°??¤§??¨??????èμ??oo??°?1??¨3?-￥????????????è???°±??￥????????o?????????è°???￥????¤o????¤§é?¨???P2P???èμ??ooé???¤??o?a????2???a???????????è???o?????oo????ˉ1P2Pé￡?é??è?¤èˉ????è?3??????èμ???3?-????????2???′???

????????¨è?????????±???????è§?è?????P2P?13??°è′¨é??????·????é??????????μ??????è???1????è?????????????ˉ?￥???°è±???????è?3é?￠??′????¤§???èμ?é???????¨é??é￠????é?????a????2???a????????é??è|?é??é??????????????è′·???è??è???????￥?????????èμ???1??????

??????é??é?????

?????????èˉ?èˉ′a??è??é???¤§????￥??1????a??????13???é????￠??????????????????è??èμ??13??°é??é??????°±??ˉ????????￡è?¨?????¨??????é?????????13????????ˉ????????????????o?2011?1′???é??é?????????±??￥?é????????????·2?????o????????°?????°?o?????¤§?13??°???????????±?o?????????????é??è????????è????ˉ???é??é???????¨é?1????????????é￡?é???????§??1é?￠?1??????????????????????

??????é??é?????è?′????o????é???????a????????????é??è??èμ??o§?o¤????????ˉ???????13??°??????????o§?????????P2P?????oé????????é????????????-??¤???a?§??±????é￠????????????¨4%-8.4%???è????????èμ??????￥?1???????é??????????o?¤§????????¨?¨3?????§?????????????o?????°????èμ??oo???

????????????è′·

????????????è′·??ˉ????????????????????????????13??°???????°?????¤?P2P?|???μ?????￥??????????????? ??a?oo?????¨è′·??? ????1??§?????????????????§?????oˉ?o????è??è?￥????¨????????????¨?¤§??°???é??è???ˉ1???????oo????o¤???èμ????????????§????????￥???è??è???ˉ1???????oo????????¨???é?????é￡?é??è??è???2????èˉ???°????????¨èˉ??o§?1??ˉ1?o??????????????????????èμ??oo??ˉ??1???è?aèo????é￡?é????????è?????è?a??±é????????

????????????è′·?????????é??è??è??????o?èμ?é???-?????????????é￠????????????¨10%?·|??3???é?1??????é???¤???¨12??a?????￥???????°?é￠??????￡????|??????ˉ??￡???è???oo???èˉ??????????è′·??ˉ?????a???é?????é????????

????????￥?????ˉ???è????a?oo?ˉ1è?????????13??°???è?¤èˉ???????è????′?¤????è????ˉé??è|????èμ??oo??????è?aèo???????é???????μ???é?????????-￡???é??????13??°???

a??a??????????￥è?a ???è′·???