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SoFi宣布将向社区银行出售学生贷款

近日,专注助学贷款的美国垂直型P2P平台Social Finance(简称SoFi)宣布将与社区银行Promontory Interfinancial Network建立合作伙伴关系。

SoFi将向社区银行出售部分学生贷款,随着合作的深入,社区银行也可以申请购买SoFi推出的"超级助学贷款"。Promontory Interfinancial Network将成为第一家与SoFi建立合作的社区银行。

此外,社区银行从SoFi购买助学贷款的所用成本将与从SoFi直接贷款的成本相同。合作条款同时规定,SoFi还将就每笔交易向Promontory Interfinancial Network支付费用。

Promontory Interfinancial Network总裁兼首席执行官Mark Jacobsen表示,他们一直在尝试开发新的金融产品和服务,为用户提供极致的体验,此次与SoFi建立战略合作机会,有助于Promontory Network实现这一目标。

有关负责人还表示,基于SoFi的贷前调查和贷后风控等业务流程,Promontory Network已经对SoFi当前的风控措施给予了充分监督,包括促进合规性、消费者隐私和信息安全等方面的管理。

SoFi总裁兼首席执行官Nino Fanlo表示,这种独特的合作伙伴关系为他们开辟了一个新的银行投资群体,并将进一步丰富了SoFi的资金来源。近年来,SoFi在贷款购买方面的合作伙伴一直以大型银行为主, 随着中小型银行的发展壮大,SoFi期待与他们建立合作关系。

到目前为止,SoFi已经获得了超过14亿美元的融资,包括由SoftBank在2015年领投的总额达10亿美元的E轮融资。SoFi已拥有800多名员工,客户数量已超过23万。

The US-based platform popular with wealthy graduates is forging a tie up with Promontory Interfinancial Network,

SoFi will sell some of its loan book off to US community banks allowing them to purchase “super-prime” student loans originated by the firm thanks to a “streamlining” of its due diligence process. Promontory Interfinancial Network is the first community bank to benefit from the policy.

The cost to banks for buying SoFi loans will be the same as buying loans directly from SoFi. Under the program, SoFi will pay Promontory Interfinancial Network a fee for each transaction.

"We are always looking for new product and service opportunities to meet the needs of the thousands of banks that are Promontory Network members, and we are excited about this strategic alliance with SoFi," said Mark Jacobsen, President and chief executive officer of Promontory Interfinancial Network.

Research was undertaken by the Promontory Interfinancial Network into SoFi's current loan origination and post-origination practices. This the firm says, gives sufficient oversight to controls that SoFi has in place, including those that promote regulatory compliance, consumer privacy, and information security.

"Promontory Financial Group did the work to simplify the due diligence process for banks, adding levels of review individual institutions could not perform on their own," Jacobsen continued. "As a leading risk management and bank regulatory compliance consulting firm, Promontory Financial Group's expertise is unsurpassed."

SoFi President and Chief Financial Officer Nino Fanlo said, "This unique partnership opens us up to a new group of bank investors and further diversifies our funding sources. Large banks have been buyers of our loans for several years, but this program will help small to mid-sized banks participate in the growth of this asset class, and we look forward to building relationships with them.

To date, SoFi has received more than $1.4bn in funding, including a 2015 $1bn Series E led by SoftBank, and SoFi's customers now number more than 230,000. The company has over 800 employees.


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