In the past three years, the media has highlighted many stories about college students who have fallen into debt as a result of using peer-to-peer lending platforms. These platforms, many of which are unauthorized and unregulated, are usually based on the internet have no connection with the established banking system. Many charge exorbitant rates of interest.
在过去三年里，媒体着重报道了很多大学生因使用点对点借贷平台欠债的例子。这些平台很多都是未被授权且不规范的，它们往往基于互联网，与既定的银行系统没有联系。很多收取过高利率。
In some cases, lives have been damaged some students have been pushed to commit criminal acts as they seek to repay their debts.
在一些例子中，为了还债，一些学生的生活受到了影响，他们被迫犯罪。
In some cases the results have been more serious even life-threatening. In April, a sophomore in Xiamen, Fujian province, killed herself because she was unable to repay 570,000 yuan ($85,448) she had obtained via a peer-to-peer lender, according to reports in Fujian Daily.
在一些例子中，结果更为严重，甚至是威胁到了生命。据《福建日报》报道，在4月份，福建省厦门市一名大二学生因无力偿还她通过点对点贷方获得的57万元（85448美元）而自杀。
Earlier this year, the Inner Mongolia Morning Post reported that about 900 university students in the autonomous region were cheated out of more than 9 million yuan after they signed up for a "promotion" that purported to offer iPhones for 800 yuan. In fact, they had unwittingly applied for loans from a peer-to-peer platform were quickly pressured to repay the money at high rates of interest.
今年早些时候，《内蒙古晨报》报道了自治区内约900名大学生被骗了逾900万元，此前他们参加了一个声称用800元就能买走iPhone的“推销”。事实上，他们不知情地从一个点对点平台上申请了贷款，并且很快就被施压以高利率还钱。
Now, experts are calling for the sector to be more strictly regulated to prevent abuse.
现在，专家们呼吁这一部门更加严格地管制，以防乱象。
"Peer-to-peer lending has become a hot topic among college students, but it has turned out to be a social issue, not just a simple financial problem," said Feng Lirong, a prosecutor at the Dongcheng district people’s procuratorate in Beijing.
北京东城区人民检察院一名检察官说道：“点对点借贷已经成了大学生之间的一个热门话题，但是它是一个社会问题，而非简单的金融问题。”
"The market needs urgent regulation because some loans have put students in danger even led some to commit crimes."
“这一市场急需规范，因为一些借贷使得学生们处于危险之中，甚至导致一些人犯罪。”
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