P2P File sharing vs Bank Lending

According to the article, " Peers find less pressure borrowing From Each other" regarding P2P file sharing system, "It's really one of the few large markets that has not been fully transformed by the Internet, so we believe we can become the mainstream alternative to the banking system,". P2P file sharing allows users to access to media files such as a books, games, and bank lending.  In which, the P2P industry believes the progression of P2P file sharing would gradually replace our banking system.  It mentions in the article that the amount of P2P file sharing for bank lending is somehow comparable to borrowing from three community banks.  Therefore, we are no longer need to lend from banks.  Instead, we use P2P file sharing software to achieve this goal.  Some examples of P2P file sharing software are Adagio, Sharelin, and Quazaa.  The general idea of file sharing is simply by means transmitting files from a computer to another over a network or the internet.