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В последние годы быстро набирают популярность сайты, предоставляющие финансовые услуги на принципах P2P — peer to peer banking или peer to peer lending. Такие финансовые системы основываются на социальных связях и репутации, а алгоритмы их работы напоминают принципы страхового рынка Lloyd’s
Источники: http://en.wikipedia.org/wiki/Peer_to_peer_banking , http://www.wiseclerk.com/group-news/
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