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瞄准学生贷款市场 SoFi推出全新员工福利项目

昨日,在线借贷平台SoFi 宣布推出员工福利项目,希望借此在美国庞大的学生借贷市场再下一城。这一新项目名为“SoFi at work”,其核心产品有二。一是学生贷款缴费产品,由SoFi运营管理,公司雇主定期缴费为学生偿清贷款。二是标准学生贷款再融资项目,SofI的合作公司员工可以免费加入这一项目。

目前已有600家公司与其合作,包括财富500强中排名前10的科技公司、Vault Law排名前100的律所和2017 Vault Banking 50强中的11家金融公司。近期加入者单中有梅瑞狄斯集团(Meredith Corporation )和诺斯洛普·格鲁门公司(Northrop Grumman)。

SoFi联合创始人兼董事长兼CEO Mike Cagney说:“我们认为,学生贷款资助将是员工福利的下一个401(k)项目。对于目前劳动力中的主力军千禧代来说,这种资助尤为重要,因为他们步入职场前就已身负巨额债务,以至于不得不推迟人生中重要的事项,比如存养老金或是购买属于自己的第一套房子。”

SoFi并不是第一个进军员工福利市场的学生借贷平台。其对手Common Bond7月收购了个人融资平台Gradible,此举显然是为了挺进401(k)学生借贷市场。Common Bond 首席行政官David Klein当时将之描述为公司未来的主要增长点。那时全美只有4%的公司为员工提供还学生贷资助,但Willis Towers Watson 调查估计,这一比例会上升超过26%。这是一个正在蓬勃发展的市场,SoFi 和 Common Bond无疑都想分一杯羹。

SoFi is entering the employee benefit space in its latest bid to lay siege to the US’ colossal student debt market. The new benefit programme – entitled SoFi at Work – is comprised of two core products. The first is a student loan contribution, administered by SoFi, but paid for by employers as a regular contribution towards paying off student debt. The second is SoFi’s standard student loan refinancing solution, which partner companies make freely available to employees.

The 600 participating companies include seven of the top 10 tech firms in the Fortune 500, 58 of the Vault Law top 100 law firms and 11 of the 2017Vault Banking 50. Recent additions include Meredith Corporation and Northrop Grumman.

"When it comes to employee benefits, we believe student loan help is the next 401(k),"said Mike Cagney (pictured above), CEO, chairman & co-founder at SoFi. "This is especially true for the Millennial generation, now the largest percentage of the workforce, who are starting their careers with record-setting student loan debt and deferring important priorities like retirement savings or buying their first home."

SoFi is not the first student lending platform to take on the employee benefit market. Rival lender CommonBond acquired personal finance platform Gradible in July with the express purpose of breaking into the 401(k) student loan market. CommonBond CEO David Klein at the time touted this as a major growth area for the company. While only 4 per cent of companies in the US at that time were contributing to paying off student debts for their employees, that figure has been projected to grow to over 26 per cent by a Willis Towers Watson survey–a growing market that both?SoFi?and CommonBond will jostle for a part in.?


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