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无惧市场波动 LendingClub决定上调利率

不久前,为与联邦储蓄银行季度加息保持一致,LendingClub上调了平台的贷款利率。自从美联储加息以来,该公司已经两次提高了利率。一次是在12月提升了25个基点,而第二次是在一月。

在美联储1月加息决策后,LendingClub 成为了P2P行业里第一家提升利率的平台,这导致优质债的利率下降了3个基点,而质量较低的贷款利率上涨了近67个基点。

2月19日,公司提高了平台风险等级最高的一批借款人的利率。对比一月,这次的增加值能够拉动每个投资者收入上升250个基点左右。

此举一出,更是增加了P2P行业对对高收益债券市场和投资领域的敏感性。当市场普遍看跌的情绪下,该领域可能会遭受损失。在这样的情况下,由于投资者将收回投资,市场中可能会出现两种情况——违约增加或者可用资金减少。

对此,LendingClub首席执行官Renaud Laplanche表示:“绝对利率水平并不是评判LendingClub服务价值的唯一标准。”此外Compass也指出,14年和15年LendingClub曾经下调利率,并将结余部分转移给了借款人。虽然公司规模较大,但是科技驱动下的运作成本相对也有所下降,所以LendingClub还是决定在美联储的决定够持续提升利率。

值得注意的是,LendingClub已经根据市场情况调整了利率。而这恰好反映了该公司尝试击溃负面投资者情绪,提升产品吸引力的信心。

LendingClub股票周四以8.45美元收盘。股票年期下跌了22%。截止周五美东时间上午9:39,该股票上涨了近1%,最终收盘为8.52美元。

Lending Club Corp has raised borrowing rates in line with the Federal Reserve Bank's decision of a rate hike by quarter points. The company has raised rates twice since the Federal Reserve's rate hike. One was in December by 25bps and second was in January.

Lending Club was the first one in the peer-to-peer (P2P) industry to raise interest rates post the Federal Reserve's decision of a rate hike in January, which caused rates of high-quality loans weighed down 3bps, while rates of lower-quality loans surged nearly 67bps.

Last week, on February 19, the company raised the rates for its riskiest borrowers. The increase was able to pull up the rates, in comparison to January, by an average of 250bps as per investor presentation.

This made the P2P sector sensitive to lowered sentiments that surrounded the high-yield bond market and investment-grade sector, as per Bloomberg. The sector is expected to feel the pain when a bearish outlook exists for the marketplace. In such a case, there will be either an increase in defaults or a reduction in available funds as investors will be pulling back their investment.

While increasing borrowing rates soon after Federal Reserve's rate hike, CEO Renaud Laplanche expressed that "the value we deliver to our customers is not dependent on the absolute level of interest rates." In addition, Compass pointed out that it had lowered its rates in 2014 and the major part of 2015 to transfer the savings to its borrowers. However, Lending Club kept raising its rate since the Federal Reserve's decision, as the company is larger in size, with low cost operations and more technology-driven. This helps the company to pass on savings to its borrowers.

It is noteworthy that the club has adjusted its rates according to the market condition. Thus the increase in borrowing rates reflects the company's attempt to combat negative investor sentiment and make its product more attractive to investors.

Lending Club stock closed at $8.45 on Thursday. The stock fell nearly 22% year-to-date (YTD). As of 9:39 AM EST, the stock gained nearly 1% to $8.52 on Friday.


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  • a
    alex在 2016/03/03 12:19回复

    我们提供给客户的价值不是仅仅依赖绝对利率的。?

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