主题：Social Lending 储蓄的未来？ -- SleepingBeauty

拍拍贷直接扣除1%手续费。例如充5000元，会员账户中看到的是￥4950.00。

拍拍贷中的虚拟数字多数情况下是只能看，充其量是在拍拍贷自己的网站上玩玩，提现不仅要收取服务费，而且拍拍贷要处理1-3个工作日。

最大的风险就是上海代丰投资咨询有限公司倒闭或消失(公司倒闭或消失并非什么新鲜的事情)。这样，拍拍贷的投资人将血本无归。

However, if Zopa did go out of business, the loan agreements would still stand because Zopa is not a party to any loan contracts; it only provides the mechanism for agreeing them. The repayments will continue to be collected by Credit Resource Solutions Ltd, the collections agency that is appointed by Zopa lenders to collect missed payments under the Zopa Principles. The costs of collections activity will not vary if Zopa has failed.

Debts assigned to P2PS Limited would continue to be pursued where possible and any sums recovered returned under the current principles as if Zopa still existed.

而且拍拍贷上面借款不仅成功率很低，即使成功也需要一段马拉松的等待。投资人的钱借不出去，就会存在上海代丰的账户中，就不会产生利息。不把钱借出去，为何要有偿把钱给上海代丰？而能不能借出去，由拍拍贷决定。

Any money that has been transferred into Zopa and not lent out is held in a segregated bank account at Royal Bank of Scotland. So if Zopa did go out of business, that money would be returned to the lenders.

遇到借钱不还的老赖，而且拍拍贷不用负责，只是根据情况向借出者推荐第三方催收公司（如果有合适的）。其中产生的第三方催收费用，将由借出者来负责。

遇到老赖，拍拍贷不负责。借出者也不会找第三方催收公司，因为多数情况下，单个借出者的钱还不足以支付催收公司的费用。而多个借出者分布在全国各地甚至海外，又很难同心联合起来共同要账或找催收公司。所以遇到老赖，借出者自认倒霉。这或许也正是拍拍贷上老赖比较多的原因。(这里是曝光清单http://www.ppdai.com/blacklist/，拍拍贷只打打电话、发发邮件、曝曝光，顶多起到骚扰老赖的作用)