Peer-to-peer lending (P2P) refers to the practice of lending loan to individual from another individual without any the involvement of bank or financial institution. The key objective of P2P lending is to boost the returns for lenders and to reduce the rate of interest for borrowers. The global P2P lending market includes the types of lending services, business models, and the end users in the market. An in-depth analysis of P2P lending services and their revenue across North America, Europe, Asia-Pacific, and LAMEA have been included in the report. Key drivers, restraints, and opportunities and their impact analysis on the global peer-to-peer lending market size are covered in the report. Furthermore, it highlights the strategies of key players to improve the market share and sustain competition. Key players operating in the market include Avant Inc., Funding Circle Limited, Kabbage Inc., Lending Club Corporation, LendingTree, LLC, On Deck Capital, Inc., Prosper Marketplace Inc., RateSetter, Social Finance Inc., and Zopa Limited.

陆金所控股是全国领先的以科技赋能的个人金融服务平台，公司处于转型期； 陆金所控股致力于打造以科技赋能的个人综合金融服务平台，为客户提供微贷和财富管理服务；受监管政策影响，公司微贷和财富管理业务均于2017年开始转型；陆金所控股的营收和利润表现受转型期影响较大，2020H营收和利润增速分别为+9.5%和-2.8%。

Hadoop is an open-source software administered by Apache software foundation. It is a distributed processing technology, which can be used in different sectors for Big Data analysis. Hadoop is more cost-effective solution as compared to traditional data analysis tools such as relational database management system (RDBMS). Apache Hadoop is a simple, powerful, efficient, and shared platform. However, Hadoop technology deployment provides features such as scalability, which helps in reducing operating cost and use of commodity hardware for reliable distribution. Hadoop-based applications are used by organizations which require real-time analytics from data such as video, email, machine generated data from a multitude of sensors, and data from external sources such as social media and the internet. Hadoop-as-a-service enables technical experts of organizations to perform several operations, which include big data analytics, Big Data management, and big data storage in a cloud. The HaaS platform enables organizations to use Hadoop technology in a highly cost-effective manner along with ensuring minimal consumption of time. This report features information on Hadoop-as-a-service offered by key vendors. Furthermore, it highlights strategies adopted by key market players to improve their market share and sustain competition.

Hadoop is an open source software administered by Apache software foundation. It is a distributed processing technology that can be used in different sectors for big data analysis. It is much cost effective compared to traditional data analysis tools such as Relational Database Management System (RDBMS). Apache Hadoop is a simple, powerful, efficient, and shared platform. However, Hadoop technology deployment provides features such as scalability, which helps in reducing operating cost and use of commodity hardware for reliable distribution. Hadoop-based applications are used by organizations that require real-time analytics from video, email, machine generated data from a multitude of sensors and from external sources such as social media and the internet. Hadoop enables technical experts of organizations to perform several operations which include big data analytics, big data management, and big data storage in a cloud. The Hadoop as a Service (HaaS) platform enables organizations to use Hadoop technology in a highly cost-effective manner, along with ensuring minimal consumption of time. Hadoop is mainly a software framework which is used to manage data and storage for big data applications in clustered systems. It gives users the ability to collect, process, and analyze data. Despite Hadoop being the leader, not all organizations are capable of installing as well as maintaining in-house Hadoop environment. Users do not have to invest in or install additional infrastructure on premises when using the technology, as it is provided and managed by a third-party vendor. Customers using HaaS, do not need to invest in or install additional infrastructure on their premises. This helps them to concentrate on their core businesses.

营业收入与净利润均实现大幅增长。2020年上半年39家上市券商实现营业收入2,289.90亿元，同比增长41.78%；实现归母净利润731.02亿元，同比增长27.12%；实现扣非归母净利润711.41亿元，同比增长26.42%。2020年上半年行业营业收入增长速度为19.26%，净利润增长速度为24.73%，上市券商营业收入与归母净利润增长速度均高于行业同期增长速度。

券商板块8 月行情回顾：2020 年8 月券商板块整体表现波澜不惊。中信二级行业指数证券Ⅱ全月收涨1.82%，跑输沪深300 指数0.76个百分点；与30 个中信一级行业指数相比，排名第18 位。8 月38家纯证券业务上市券商（剔除次新股国联证券）仅17 家实现上涨，21 家出现下跌。头部券商表现较优，板块内结构分化较为显著。

DC/EP 推进有助银行积极介入电子支付领域，支付双向开放有助提升人民币国际竞争力。对于商业银行而言，基于其数字人民币发行的重要环节作用，有助积极介入电子支付领域，进而倒逼其提升数字化能力。对于第三方支付公司而言，开放和竞争会加剧竞争格局，头部公司具备相对优势，更需借助先发优势在获客和场景方面保持既有优势。

一是伴随金融系统让利实体经济政策的不断落实，银行净息差明显收窄，补充核心一级资本能力下降；二是经济下行压力叠加疫情冲击，信贷投放规模创新高，资产规模扩张提高银行补充资本需求；三是疫情长尾效应使不良压力加大，潜在不良风险对资本的侵蚀不容忽视；四是非标回表以及TLAC 监管的逼近提高了银行补充资本的紧迫性。