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高盛在线借贷平台Marcus神秘面纱终解一角

众所期待的Marcus——高盛银行成立的以其创始人之一Marcus Goldman命名的在线借贷平台——即将于十月上线。

周二,高盛银行融资业务全球主管Stephen Scherr在接受采访中透露:“无担保贷款业务目前市场缺口较大,我们能够就此在大型银行和小型fintech企业间辟出一条蹊径。银行业巨头,如美国富国银行、摩根大通以及美国银行,通常依靠信用卡业务赚取大量利润,因此他们不会提供另一种同类借贷产品来损伤自己的利益。”

原文还提到Marcus是如何诞生的:“约2年前,一群经理聚在一起讨论怎样才能将高盛新得到的银行执照(美联储颁发,用以在金融危机中保护银行)转变为增长源。”

Scherr补充道,在线借贷创业公司往往需要费心寻找贷款的资金来源,或是按照特定的标准包装以更好地出售这些贷款产品,而高盛银行则没有这样的烦恼。因而高盛拥有更大的灵活性,能够提供更多的选择,包括贷款产品的数额、条款和偿付期限。

Scherr如此解释这种灵活性:“我们不以平衡资产负债表为目的,(Marcus的贷款)并不是为了迎合市场,出售豁口。”据报道,高盛曾考虑收购一家现有的借贷平台,但随后放弃了,因为这些平台估价过高,而且高盛也想要一份“干干净净的资产表”来展现给监管人员和消费者。Scherr说:“最后我们决定还是建立Marcus比较好。”

采访中还透露了其他一些细节:

(1)高盛将采取“传统方式来获得客户”,如邮件、合作伙伴关系还有网络渠道,多种方式结合来寻找那些想要贷款的客户。

(2)存款方面,Scherr说高盛已在原有的80亿美元传统零售存款金(从GE购得)基础上增加了30亿美元。

(3)虽然吸收存款和发放贷款同时进行,并且这两个业务也让高盛参与进了大众银行业务市场,但公司内部的策略机制完全不一样。

(4)高盛并不计划发展“跨市场”业务:向储户发放贷款或让借贷者开办储蓄账户。

We’ve been awaiting updates on Marcus, Goldman Sachs’ much anticipated online lending platform named for bank’s cofounder Marcus Goldman which may go live as early as?October.

Stephen Scherr, Goldman Sachs Global Head of the Financing Group, revealed more about Marcus on Tuesday, reported theWSJ,noting that “unsecured loans are an underserved part of the market where Goldman can carve out a niche between big bank rivals and small fintech upstarts.The giants—Wells Fargo, J.P. Morgan Chase & Co., and Bank of America Corp.—largely rely on credit cards, a big moneymaker theywon’t want to cannibalize by offering a competing lending product.”

The WSJ also shared details about Marcus’ birth: “About two years ago, a group of executives was tasked with finding ways to turn Goldman’s new bank charter—a designation it got from the Federal Reserve to protect itself during the financial crisis—into a growth engine.”

Scherr added that while online lending startups need?worry about securing funding for loans, or packaging their loans according to specifications that would make them easier to sell, according to the?WSJ,this isn’t a similar concern for Goldman which gives the bank “more flexibility to underwrite more creatively, letting borrowers pick from a range of sizes, terms and payment schedules for their loans.”

Scherr explained that this flexibility “pivots off the ability to fund off our own balance sheet… [Marcus loans aren’t] tailored or conforming to a marketplace to syndicate or sell the exposure.”

The WSJ reported on Marcus’ backstory, indicating that Goldman considered buying an existent lending platform, but was deterred in part by high valuations and in favor of a “clean sheet of paper” better to meet the expectations of regulators?and consumers, said Scherr.“For us, at the end of the day, it made sense to build [Marcus].”

Other key details covered by the WSJ:

(1) the bank would use a “conventional setup for customer acquisition” including a combination of mailings, partnerships and online channels to find people who want loans.

(2) On the deposit side, Scherr said the bank had added $3 billion to?the $8 billion in conventional retail deposits it bought from General Electric Co.

(3) While the deposit-taking and lending pushes are happening at the same time—and both bring Goldman into the market for regular folks’ banking business—they were born of different rationale inside the firm.

(4) Goldman doesn’t plan to “cross-market” loans to its depositors, or savings accounts to its borrowers


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