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P2P平台RateSetter即将进军澳洲市场

世界P2P网贷龙头之一的RateSetter宣布将在年中进军澳大利亚市场,目标锁定利润丰厚的个人金融市场,而这一领域一直以来都是由大型银行把持。

RateSetter是一家英国公司,2010年至今已成功匹配超过3亿6千万美元贷款,而近日刚刚筹集300万美元资金,以支持其澳大利亚业务部运营。投资者包括Wilbow Group和技术顾问Martin Dalgleish。紧随西太平洋银行(Westpac Banking Corp)的收购之后,RateSetter也登录澳大利亚市场,利用的是其风险资本基金,Reinventure Group,即当地P2P网贷放款方SocietyOne的少量股权,这一公司目前出借贷款额已经达到400万美元。

RateSetter在澳大利亚聘请了九名员工,由区域董事长Daniel Foggo直接领导,他曾在Rothschild和Barclays Capital担任投资银行家。去年RateSetter在英贷款登记量暴增两倍,此举意在以英国的P2P发展模式快速带动澳洲市场发展。

Foggo先生说,“尽管这里人口不多,但是我希望RateSetter在澳洲的发展可以早日匹敌我们在英国已经取得的成就。”

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进军澳大利亚市场是RateSetter新一轮全球战略的一部分,这一战略还包括进军欧洲和亚洲市场。

作为合作创立者之一和全球董事长的Rhydian Lewis认为澳洲市场是个理想的目标,因为这里的储户希望争取到更多的资金回报,而这里的借款人也常常是值得信任的。他还说道:“澳大利亚金融体系的分解条件已经成熟,因为银行长久以来都只提供低于规定标准的储蓄和贷款,但是市场之内却鲜有竞争,我们的目标就是重新定义澳大利亚市场。”

可用平台

历经一年终获许可,RateSetter将会创立自己的平台,上线后可为投资散户进行服务。

P2P平台放款者不受联邦政府的银行存款保证保护。为减少借款人违约造成的风险,RateSetter将会建立“准备金”,这保证了公司上线以来所有的11000名投资者的每一分本金和利息都能得到返还。英国准备金额度为380万英镑(即680万美元)或者是预期违约率的180%。Foggo先生说,当地准备金将会来自借款人的中介费用,而且会高于预期的违约率。

RateSetter合伙人之一的Peter ­Behrens原是一名阿什赫斯特的公司律师,后供职于RBS,他将坐镇当地董事会,Dalgleish先生也会如此。

另一家当地P2P网贷公司Paid International也正在积极探索,争取在澳大利亚证券交易委员会名单上拥有一席之地。

根据国际证券委员会的统计数据,P2P网贷行业在2013年累计贷款发起额高达20亿美元。

One of the world's largest peer-to-peer lenders, RateSetter, says it will be ­operating in Australia by the middle of the year, with an ambitious plan to attack the lucrative personal finance market dominated by major banks.

Britain-based RateSetter, which has matched more than $360 million of loans through its website since 2010, recently completed a $3 million capital raising to support its Australian operations. Investors include Wilbow Group and technology adviser Martin ­Dalgleish. The arrival of RateSetter follows Westpac Banking Corp's acquisition, through its venture capital fund, Reinventure Group, of a small equity stake in local P2P lender SocietyOne, which has written $4 million of loans.

RateSetter, which has hired nine staff in Australia under local chief executive Daniel Foggo, a former investment banker at Rothschild and Barclays Capital, expects demand for P2P in Australia to match Britain, where RateSetter's loan book spiked by more than 200 per cent last year.

"We would expect our growth to be quite similar to what the UK business has achieved over time despite the smaller population," Mr Foggo said.

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The expansion into Australia is part of a new global push by RateSetter, including into Europe and Asia.

Rhydian Lewis, co-founder and global chief executive, said Australia was an obvious choice because savers were "keen for better returns on their cash" and there was "a wide range of responsible borrowers". He also said Australia had a financial system "ripe for disruption as banks have been offering below-par savings and loans deals for too long with little true competition to drive customer-friendly deals. Our aim is to redefine finance in Australia," he said.

Platform available

RateSetter will make its platform available to retail investors at launch, after working for a year on licensing.

Lenders through P2P platforms are not protected by the federal government's guarantee of bank deposits. To mitigate against risks of borrower defaults, RateSetter will have a "provision fund", which has resulted in it returning every cent of principle and interest owed to every one of its 11,000 investors since its launch, the company says. The UK provision fund holds £3.8 million ($6.8 million) or 180 per cent of the expected default rate. Mr Foggo said the local provision fund will come from a borrower charge and will be higher than anticipated default rates.

RateSetter co-founder Peter ­Behrens a former corporate lawyer at Ashurst and banker at RBS, will sit on the local board; so will Mr Dalgleish.

Another local P2P lender, Paid International, is exploring a listing on the Australian Securities Exchange.

The P2P lending industry originated $US2 billion of loans in 2013, according to the International Organisation of Securities Commissions.


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