involving sharing files or other resources between computers connected through a network, rather than using a central server (= a central computer that stores files)

peer-to-peer file sharing 点对点文件共享

Peer-to-peer lending involves the use of specialized websites that bring together suitable individual lenders and borrowers

People considering lending their money through peer-to-peer sites should understand the risks. 考虑通过点对点网站借钱的人应该了解其中存在的风险。