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国内业绩喜人 日本P2P平台Maneo计划开辟国际市场

日本最早的P2P借贷平台Maneo上个财政年度实现了100%的盈利增长,并计划进军全球市场。

该公司最大规模的增长来源于房地产借贷。在经历了1980年代的金融危机和房地产泡沫并产生了大量“僵尸银行”后,日本主流资产经理和金融机构都对该项资产敬而远之,从而在市场中产生了很大的缺口。

国际业务开发部门主管Mattias Karnell表示:“Maneo有真正实现全球化的潜力,这些平台拥有大量的需求。”

Maneo成立于2008年,是日本最早的P2P平台。它最大的成长点之一是发放贷款速度快,通常在提出申请后只需要两周的内部评估时间,远远快于银行。和其他活跃的资产管理部门不同,Maneo的投资者可以自由选择他们资产的去处。

公司从不断扩张中获益,它们从借款人的利率(通常10%~15%)和投资人的利率(通常5%~8%)差中获利——往往有10%到5%的获利空间。Maneo拥有良好的历史业绩,从2001年起,已经发放了近5.5亿美元的无损失贷款(包括本金和利息)给中小型企业。

Maneo的成功可以部分归因于日本金融的独特性。2012年日本首相安倍晋三提出了“安倍经济学”,日本利率跌至1%以下。日本的储蓄文化和零售投资的宽松政策都带给Maneo巨大的客户基础。

Maneo主要的投资者是30至40岁的商人,他们往往希望他们的储蓄能有更高的回报率。Maneo的商业模型允许的最小投资额为95美元。

Maneo下一步的计划是将日本的现金带向全世界。“我们在日本的业务常好的回报,但是我们的供给方观念陈旧,我们获取业务需要的时间较长且投资者都是风险厌恶型的,他们喜欢有抵押的贷款。”

Karnell否认了关于Maneo进入中国市场的建议。他表示:“中国有太多的欺诈行为并且对资本流出有太多的限制。” 由于日本投资者主要集中于房地产领域,他认为澳大利亚、英国和美国对他们有更大的吸引力。他同时表示:“我们的挑战在于如何向我们的投资者证明我们能够对这些产品做出担保。”

Japan’s oldest peer-to-peer lender, Maneo, plans to go global, following more than 100 per cent revenue growth in the last financial year.

The company’s massive growth owes mostly to real estate lending. After the financial crisis and property bubble in the 1980s—which created Japan's "zombie banks"—major asset managers and financial institutions have steered clear of property, creating a gap in the market.

“Maneo has the potential to be truly global”, said Mattias Karnell, head of international business development. “There is so much demand out there for these platforms.”

Launched in 2008 as Japan’s first-ever peer-to-peer platform, Maneo embodies the hybrid lending model. One of its great strengths is that it gets loans out quickly, usually within a fortnight following in-house evaluation, much faster than a bank. Unlike active asset management, investors are free to choose where their money goes.

The company profits from spreads, taking the difference between the interest paid by borrowers (typically 10-15 per cent), and the return paid to investors (typically 5-8 per cent)—leaving a profit of 5-10 per cent. The company boasts a solid track record, having lent close to US$500m to small and medium enterprises with no losses on principal or interest since 2011.

Part of Maneo's success owes to the peculiarities of Japanese finance. Following Prime Minister Shinzo Abe’s launch of ‘Abenomics’ in 2012, Japanese interest rates have hovered below one per cent. This, taken with Japan’s savings culture and relaxed regulation of retail investment, has given Maneo a huge potential investor base.

The overwhelming majority of Maneo’s investors are businessmen in their 30s or 40s (“salarymen”), who want higher returns on their savings. Maneo’s business model allows them to invest as little as $95.

The next step for Maneo is to bring Japanese money to the world. “The deals we have in Japan are very profitable, but we’re quite old school on the sourcing side,” said Karnell. “It takes time to find the deals” and investors “tend to be quite risk averse… they like collateral”.

Karnell rejected any suggestion that Maneo might make inroads into China. “You have quite a lot of fraud in China and there are capital outflow restrictions.” He believes Australia, the UK and US are more attractive to Japanese investors. As in Japan, investment would be mainly in real estate. “The challenge will be how can we present these products to our investors such that we fully vouch for the deals.”


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