什么是个人对个人借贷（P2P-Lending，P2P-Banking，Social-Lending）?

Person-to-person lending (also known as peer-to-peer lending and social lending) is, in its broadest sense, the name given to a certain breed of financial transaction (primarily lending & borrowing, though other more complicated transactions can be facilitated) which occurs directly between individuals (”peers”) without the intermediation/participation of a traditional financial institution.

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       今天早上起来的时候突然发现外面银装素裹，分外妖娆。原来下雪了！南昌这个鬼地方很少下雪，这是这两年来下的第一场雪。我心中暗自庆幸，还好昨天买了电热毯！否则这个晚上就难熬咯。

    最近这段日子自13号以来南昌突然进入了寒冬，一股寒流南下，整个江西温度骤降10多度。实在是让人受不了，我前几天晚上都是想