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P2P市场迎来利好:穆迪暂缓Prosper评级下调

尽管在今年早些时候曾对Prosper发出降级警告 ,但评级机构穆迪却在近日表示,不会进一步降低市场借贷平台Prosper证券化贷款的等级。

在2016年2月,穆迪投资者服务公司宣布,将一批由花旗银行从Prosper购买的个人贷款债券放入审查名单,并有等级下调的可能。穆迪二月份曾预测这批交易的违约率将高达12%。然而,由于"随着P2P网贷危机持续发酵,Prosper的贷款并未出现大量的坏账",穆迪仍保持目前Prosper Ba3的评级水平。

穆迪表示:"这降低了债券抵押品严重走弱的风险,降低了预期损失的波动"。

可用信用增级和穆迪对预期损失的下调使得Prosper的评级水平得以维持。

穆迪对资金池预期损失的判断主要基于Prosper投资组合的历史表现。

近年来市场借贷和P2P的快速发展,在最近这几个月开始有所降温。与此同时,行业领袖Lending Club也深陷负面泥潭。这样看来,穆迪对Prosper暂缓评级下调也算是一则好消息。

Ratings agency Moody's will not downgrade a series of securitised loans originated by the marketplace lending platform Prosper contrary to a warning it issued earlier this year, the ratings agency has said.

Back in February Moody's Investors Service announced that some of a pool of Prosper's loans securitised by Citi Group were on their watch list for and potentially heading for a downgrade. Moody's February forecasted was suggesting a 12 per cent lifetime loss. However, owing to: "the absence of substantial deterioration in Prosper's loans…as they continue to season" the ratings agency has stood by its current rating three levels below investment grade of Ba3.

"This reduces the likelihood of extreme underperformance of the collateral during its shorter remaining life, reducing the volatility around our loss expectations," Moody's said.

"Thus, the available credit enhancement coupled with Moody's upwardly revised expected lifetime losses results in an unchanged rating."

Moody's expected lifetime losses for the pools are based largely on the historical performance of Prosper's origination portfolio, the agency says.

The rapid growth in marketplace and p2p lending of recent years has somewhat cooled in more recent months at the same time a slew of negative headlines have dogged the industry mostly involving the market leader Lending Club. This move will be a welcome one for many.


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