在李笋看来，黄金珠宝企业选择P2P借款，更加快捷便利，而且期限灵活，可以选择15天、一个月、两个月等多种方式，“更接地气”。尤其是随着年底临近，黄金企业急需备货，在短短时间内企业将产品销售出去之后就可以马上还款，而这方面银行根本无法做到，仅仅审批程序就要花费不止一个月，灵活性上无法满足企业所需。
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