Nzira Yokukwereta Kubva P2P Vatengesi
Chii Chinonzi P2P?
P2P zvikwereti zvakashandura nyika yekukweretesa. Munzira yakazara, chikwereti cheP2P chinogona kuitika pakati pevanhu vaviri, kusanganisira zvikwereti kubva kune shamwari nemhuri.
Chero ani zvake vanhu vaviri vanogona kugadzirisa chikwereti uye urongwa hwekubhadhara hunobatsira , pamwe zvichienderana nechibvumirano chakanyorwa.
Izvozvo zvakati, P2P kukweretesa kazhinji inoreva kushandiswa kwepaIndaneti iyo inotarisira zvose zvekugadzirisa kune vose vanokwereta uye vanokweretesa. Mukuwedzera pakupa zvibvumirano, kubhadhara kushandiswa, uye kukwereta kuongororwa, P2P kukwereta kunoita kuti zvive nyore kuti vanhu vauye. Panzvimbo yekukweretesa chete kune vanhu vaunoziva kana avo vari munharaunda yako, unokwanisa kupinda webhusaiti yekambani imwe neimwe uye ukanyorera kune vanhu nemasangano munyika yose.
Nhamba dzakawanda dzewebhu dzinoita kuti P2P zvikwereti zviwanikwe zvikuru. Prosper.com yaiva imwe yemapiyona , asi pane zvakawanda zvevamwe, uye vatsva vanowanzoonekwa nguva dzose.
Sei Tichifanira Kushandisa Munhu Kuti Apire Mari?
Iwe unogona kushamisika kuti sei iwe waizoedza P2P chikwereti panzvimbo yebhanga rekodhi kana chikwereti chebato. P2P zvikwereti zvinogona kubatsira nematambudziko makuru ekukwereta anotarisana nawo: mari uye kugamuchirwa.
Mari dzinoderera : P2P zvikwereti zvinowanzosvitsa mari kudarika zvikwereti zviripo kubva kune vatenzi vemazuva ano, kusanganisira vamwe vatengesi vepaIndaneti. Kushandisa chikwereti kunowanzosununguka, uye mari yepakutanga inowanzove inenge inenge mashanu muzana kana kudarika pane zvikwereti zvakawanda. Zvichida zvinonyanya kukosha, zvikwereti izvozvo zvinowanzova nezvikwereti zvishoma kudarika zvikwereti.
Vaya vanonyanya kukoshesa vanokweretesa vanopa zvikwereti zvakagadziriswa zvekuda kuitira kuti iwe unofanirwa kutarisirwa, mubhadharo wemwedzi wepamusoro. P2P vakakwereta havakwanisi kubhadhara mari yakafanana neye mabhanki makuru ane mazana ematareji ebazi, saka vanopfuura zvimwe zvezvikwereti kune vakwereta.
Kubvumirwa nyore: Vamwe vanokweretesa vanoda kungoshanda nevanhu vane chikwereti chakanaka uye zvakanakisisa chikwereti-kune-kuwana mari . Asi P2P vateresi vanowanzoda kushanda nevakwereta vane matambudziko munguva yakapfuura kana vari vari mukugadzira kuvaka chikwereti panguva yekutanga muupenyu hwavo.
Nekodzero yakanaka uye mari yakasimba, zvikwereti hazvina mari shoma, uye izvi ndezvokwadi neP2P vatengi pamwe chete nevarapi vemazuva ano. Asi munzvimbo dzakawanda, vanokweretesa avo vanoda kufambidzana nevakaderera mari yakaderera kana vanhu vane mvumo yakaipa vanowanzobhadhara mari yakakwirira uye mari. Avo vanokwereta vane zvingasarudzwa zvishoma, sekubhadhara chikwereti zvikwereti zvakafanana.
Pane vashomanana veP2P vatengi, vakadai seNet Credit, vanopa zvikwereti kune vanhu vane chikwereti chikoro chakadzika se 520. Vamwe vashandi veP2P vanoita zvikwereti kune vanhu vane zvishoma kudarika-zvakakwana chikwereti chikwereti vanogona kukweresa kusvika ku 36 muzana, asi ichi ichi inorova chikwereti chemari yekubhadhara.
P2P zvikwereti zvinowanzoitika, asi kwete nguva dzose, zvisingabatsiri zvikwereti zvemunhu, naizvozvo haufaniri kutora chero rudzi rwekutengesa kuti rugamuchire.
Iyo inoshanda sei
Mumwe nomumwe P2P chikwereti akasiyana, asi pfungwa ndeyokuti kune vanhu vakawanda kunze uko nemari yekukweretesa, uye vari kutsvaga vatorwa.
Vanhu ava vanoda kuda kuwana zvakawanda kupfuura zvavanogona kuwana kubva kubhengi rekuchengetedza, uye vanoda kuita zvikwereti zvakakodzera. Nzvimbo dzeP2P dzinoshandiswa semashambadziro ekubatanidza vakweretesi nevakweretesi. Prosper.com inofanirwa pachayo pashure pe "eBay yezvikwereti."
Kufanirwa: Kukwereta, iwe unowanzodikanwa zvakanaka, asi hauna kukwana, chikwereti. Zvakare, maitiro akasiyana ane zvido zvakasiyana, uye vateresi vanogonawo kugadzirisa miganhu pamusoro pengozi yavanoda kutora. Pakati pekuru P2P vakakweretesa, zviitiko zvakasiyana-siyana zvinokonzera zvinowanikwa kune vashandi vekutsvaga kuti vashandise. Kana uine chikwereti chakakura chezvikwereti nemari inowanikwa, unowira mumatambudziko akadzika. Vamwe vanokweretesa vanotarisa "ruzivo" rwemashoko akadai semari yako uye nhoroondo yebasa, iyo inogona kubatsira kana une chikwereti chekwereti.
Kushandisa: Nevakakweretesa vazhinji, iwe unongopedza chikumbiro chakafanana nemumwe mushandi wechikwereti . Mune zvimwe zviitiko, iwe uchapa nhaurwa yako pachako kana kuudza vatengesi nezvako uye zvirongwa zvako zvemari. Iwe unogona kutokwanisa kushandisa masangano evanhu kuti akubatsire kugamuchirwa. Kamwe kana chikumbiro chako chichigamuchirwa, mari inogona kunge ichiwedzera kana zvishoma, kana zvingatora mazuva mashomanana kuvarimi kuti vasarudze kubhadhara chikwereti chako.
Zvinodhura: Uchabhadhara chikwereti kune chikwereti chipi zvacho chaunowana, uye mari yako inofanirwa kubikwa mubhadharo yako yemwedzi iwechete (iyo mari inowanzosabhadharwa zvakasiyana). Mukuwedzera, iwe ungangove uchibhadhara mari yepakutanga yezvikamu zvishoma zvezana rako rekukweretesa, kunyange zvazvo zviri nani iwe purogiramu yako yengozi, iyo yakaderera mari. Iva nechokwadi chekutora mubhadharo iyo apo iwe unotarisa chikwereti chako chemari, nokuti inogona kuderedza mari yakawanda iwe unopedzisa kuwana. Mari yekuwedzera inogona kupiwa mhosva yezvinhu zvakadai sekubhadharwa, kudzoka checks, uye zvimwe zvisiri izvo zvinotengeswa.
Kubhadhara: Kana chikwereti chako chakabvumirwa, iwe unowanzobhadhara kwemakore matatu kusvika mashanu, asi iwe unowanzobhadhara usingabhadharwi . Mitsara inobva pakubvunzurudza kero yako zvisiri nyore kunze kwekuti iwe ukamisa chimwe chinhu chakasiyana, saka iyo inoshanda isingabatsiri.
Kubhadhara zvikwereti: Inonyanya kuzivikanwa paIndaneti P2P vakakwereta inoratidzira basa rako kune mari yechikwereti . Somugumisiro, yako-nguva yekubhadhara mari ichakubatsira iwe kuvaka nekuvandudza chikwereti chako, zvichiita kuti zvive nyore kukwereta pane zviri nani mune ramangwana. Zvisinei, kana zvikwereti zvisingakwanisi kupfuura kana kuti iwe usina kukweretesa pachikwereti , chikwereti chako chichatambura. Ita kuti zvikwereti izvozvo zvive zvakakosha uye utaurirane nemutengi wako kana iwe ukawira panguva dzakaoma.
Vatengesi: Kune maP2P akawanda anokweretesa kusarudza kubva, uye mamwe mabhizimusi akazaruka gore negore. Zvimwe zvekare zvakakweretesa masangano zvinosanganisira Prosper.com uye Lending Club, uye iwe unogona kuedza kubhadhara zvikwereti uye zvebhizimisi kubva kune avo vanokweretesa. Upstart inowedzera kukwikwidzana kwemari yako yega, uye mari yeBonding Circle iri kukura kwebhizimisi chikwereti.
Yepakutanga P2P vakakweretesa vakabhadhara mari yako kubva kune vamwe vanhu. Iye zvino, nzvimbo iri kuchinja , uye masangano emari anowedzera achibhadhara zvikwereti, zvingave zvakananga kana zvakasiyana, panzvimbo pevanhu. Kana izvi zvakakosha kwauri (iwe ungasava nehanya-chero bedzi uri kuwana chikwereti kune mumwe munhu ), tsvakurudza basa raunofunga kushandisa nekutsvaga uko mari inobva.
P2P DIY
Munhu kumunhu chikwereti haasi kungogumira kune nzvimbo dziri paIndaneti. Iwe unogona kugadzirisa zvikwereti zvisina kurongwa kana kushandisa shanduro dzevanhu vakawanda panzvimbo yekufamba munzvimbo dzakawanda. Kuti udzivise matambudziko ose, kurukurai zvirongwa zvako newe gweta renharaunda uye muteresi muteresi. Iwe unogona kushandiswa kushandisa chibvumirano chakanyorwa nekutevera mitemo yakati kuti uwane migumisiro yaunoda. Vagari vomunharaunda vanogona kubatsira, uye mimwe michina yepaIndaneti inopa zvibvumirano zvakagadzirwa.