2015 world economic trends anticipated

• A new financial crisis in 2015 and 2016
  Ruble crisis, sharp volatility of the Swiss franc, steep price declines, including sharp turbulence in the Chinese stock market, at least two things. A thing is for us today the global monetary and financial system is free of any order of an era in which no one according to the international monetary and financial trends in order to make a judgment. The second key information, now the global monetary and financial economy had fallen into a very dangerous era of uncertainty.
  
  
  International Monetary and financial systems of the two issues on the one hand we now completely out of order, so a lack of order time, how can we predict the future? Indeed we now find a particularly good solution. What are the fundamental reasons behind the incident? Something worth thinking about, more than two-thirds people would consider to be a new financial crisis in 2015 and 2016.
  
  
  P2P mass closures
  At present China 2008 years ago in Europe's economy, heavily indebted economy and ability to accept risk is very low, relying on cash flow, cash flow one would not be able to bear. Financial core of the credit rating, credit-rating's difficulties stem from information asymmetry and cost of gathering information, small and medium enterprises with credit ratings of large State owned enterprises cost basically the same, but the benefits vary widely. Collateral that in order to overcome information asymmetry, increase the default cost, reducing the probability of default. SMEs do not have collateral or
  
  
  Low value, low cost of default, SME lending costs so high, risk reduction is the key to information asymmetries, so financial institutions in terms of reducing information asymmetry creates value.
  
  
  P2P does not solve the asymmetry of information, is wooing borrowers, fails to address the core issues, it will fail on a large scale in the future.