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Outstanding peer-to-peer (P2P) loans in China soared 153.5 percent year on year to hit a record high at the end of September, a latest industry report showed.
据最近一份行业报告显示，九月底，中国蓬勃发展的P2P借贷再次暴涨，借贷额同比去年增长了153.5%，达到历史新高。
Loans had reached 956 billion yuan (145 billion US dollars) at the end of September, according to P2P industry portal P2P001.com.
据P2P行业门户网站第一网贷的数据显示，截止九月底，P2P借贷总额已经达到了9560亿元人民币（约合1450亿美元）。
P2P lending -- lending without a traditional financial intermediary such as a bank -- has grown quickly in China as investors pursue higher returns and small businesses and individuals seek secure funds online.
P2P借贷不需要通过像银行那样的传统金融中介，P2P融资在中国增长十分迅速，其原因是因为投资者们追求高额的回报，而小企业和个人则希望在网上寻求安全的资金。
Lack of supervision has made the industry risky for investors and many P2P platforms have been implicated in shady fund raising.
由于缺乏监管，投资者们面临很大的行业风险，而且许多P2P平台都有私自募集资金的问题。
As of the end of September, there were 2,297 P2P platforms, 37.1 percent of the total, with operational problems, the report said.
这份报告显示，截止今年九月底，全国2297家P2P平台有操作问题，这一数字占据P2P平台总数的37.1%。
The average interest rate for P2P lending stood at 8.7 percent, unchanged from a month earlier and still near a record low.
不过P2P贷款的平均利率为8.7%，和前一个月相比没有变化，仍然接近于历史低点。
In August, the China Banking Regulatory Commission introduced new rules prohibiting P2P lenders from accepting deposits from the general public, preventing them from pooling investors' money for their own projects and capping the amount of individual loans.
今年8月份，中国银监会出台了新规，禁止P2P贷款人接受公众存款，从而防止他们为自己的项目募资、防止他们哄抬个人贷款上限。
