Lending Club：今年上市的可能性很大

    我希望你能看到过去几个月我们所做的改变带来的好处。去年夏天，投资者的投资欲望增长速度超出了我们的预期，所以我们提供的资金过多，被迫进行了一定的调整。尤其是，我们对大型机构投资者设定了购买限制，确保不会出现机构投资者比例失衡。目前，平衡状况有很大改善。

    关于你的贷款平台，你从一开始就将重点集中在拥有良好信用记录的贷款人身上。未来，你是否计划放宽对贷款人的限制？

    不会，我想我们的计划是继续专注于主流消费者。未来我们将扩大那种让双方都希望长期合作的贷款用户。我们计划在未来推出低息贷款。目前，我们的起始利率是6.78%。现在，我们的一些投资人已经真正了解了这个平台的潜力，我们相信在未来贷款利率有望降到5.9%。我们会推出更适合信用分数750或800的产品。未来随着目标市场扩大，我们可能还会推出部分准优级贷款。

    你们不打算进入次级贷款市场，对吧？

    不。

    有报道称，Lending Club将在2014年上市。是真的吗？

    仍然存在可能性。今年上市的概率非常高。

    您还有其他要说的吗？

    有一件比较新鲜的事，是银行成为机构贷款人的一部分。其中一类机构贷款人实际上是在平台上投资越来越多的银行。从Lending Club的角度来看，这很有意义。Lending Club建立了低成本市场，并用低成本市场取代传统银行系统。另一方面，银行的资本成本非常低。如果将银行的低资本成本和Lending Club的低成本与优质服务组合起来，让银行交出客户关系，成为平台的投资者，这是改革银行系统的一条很好的途径。同时，与进行这种改革的银行进行结盟也是一件好事。（财富中文网）

    译者：刘进龙/汪皓

    I am hoping you've seen the benefits of the changes we have made in the last few months. I think we had gotten into a time last summer when the appetite of investors increased faster than we had anticipated, and so we had too much of a supply of capital. We had to recalibrate a little bit. In particular, we put some purchase limitations in place for the large institutional investors to make sure we don't get a disproportionate share of institutional investors. Now we have a much better balance.

    One thing that has been true about your platform from the beginning is that you have focused on borrowers who have a strong credit history. Do you have any plans to broaden that in the future?

    No, I think the plan is to continue to stay a mainstream consumer play. We'll expand the population for which our loans are attractive over time on both sides. We want to start offering lower interest rate loans over time. Today we start at 6.78%. We think with some of our investors now who really understand the predictability of the platform, there'd be more interest for a loan grade at a 5.9%. We'd have a product that works better for a 750 or an 800 FICO score. And we'll probably expand a little bit in the near-prime category with people who will be in our target market in the future.

    You're not looking to expand into the subprime market?

    No.

    It's been reported that LendingClub will look to go public in 2014. Is that likely?

    That's still a possibility. There's a pretty high likelihood.

    Anything else?

    One thing that's fairly new is the involvement of banks as part of the institutional lenders. One category of institutional lenders is really the banks that are investing more and more on the platforms. It makes a lot of sense from the standpoint of Lending Club establishing a low-cost marketplace and replacing the traditional banking system with the low cost market place. On the flip side, the banks have a pretty low cost of capital. When you put together the low cost of capital of the banks and the low cost and great service of Lending Club, having banks relinquish the customer relationships and becoming investors on the platform is a good way to transform the banking system but associate the banks with that transformation is good.