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。
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.
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.
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.