https://www.hkfin-jetso.com/blog/%e5%8c%af%e8%b1%90%e6%81%86%e7%94%9f%e6%8e%a8%e5%87%ba%e8%bd%89%e8%b3%ac%e6%98%93-p2p-%e6%9c%8d%e5%8b%99%ef%bd%9c%e9%81%8e%e6%95%b8%e6%96%b0%e7%8e%a9%e6%b3%95%e6%96%b9%e4%be%bf%e5%8f%88%e5%bf%ab/