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传统金融的互联网化全新的互联网金融模式国际资讯

互联网银行能否成为网贷平台的最终归宿?

在上周AltFi举办的欧洲互联网金融峰会上,英国最大的两家P2P网贷平台Funding Circle和Zopa的CEO就公司是否将在未来涉足银行业务发表了不同意见。

Funding Circle:未来绝不开展任何形式的银行业务

该公司首席执行官Samir Desai明确表示,银行的业务模式违背了公司"实现普惠金融"的发展愿景,因此Funding Circle将不会在未来开展任何形式的银行业务。他指出,随着近年来网贷行业的迅速发展,市场上越来越多的网贷机构选择与银行建立合作,拓宽自身业务范围。

目前已经出现了三种合作模式:

  • 银行从网贷机构购买债权,
  • 银行与网贷机构共享用户以及银行与网贷公司成立新公司,
  • 打造"联合品牌"。

Desai强调,在这三种合作模式中,网贷机构只是扮演着一种"技术供应商"的角色,为银行开展业务提供良好的环境。毫无疑问,银行将成为合作中唯一的获益方,而网贷公司的作用将越来越边缘化,不利于行业的长期发展。

Zopa:网贷平台"银行化"将成为未来行业的发展趋势

与Desai的看法相反,Zopa CEO Janardana则认为网贷平台的"银行化"将成为未来行业的发展趋势。去年11月,Zopa曾宣布公司将于近期申请银行营业牌照,正式涉足银行业务。Janardana表示,现阶段该公司还将专注于发展网络借贷业务,特别是储蓄类金融产品的开发和销售。Zopa已经推出的储蓄类金融产品主要包括定期存款和现金ISA(在此账户中储蓄的现金所产生的利息不需纳税。这不同于普通的储蓄账户,因为普通账户要征收20%的税金)两大类。同时,Zopa还进行了平台技术上面的改进,简化了操作流程,提高用户体验。

去年1月,欧洲理事会出台了付服务法令II(PSD II),以赋予市场上的部分金融机构链接银行支付系统的权限,规范金融市场体系。Janardana认为,该法令已经导致银行用户的流失,为网贷行业拓展用户提供了极大的便利。自2011年以来,信用卡透支率逐年上涨,用户对银行的满意度也呈下降趋势,这都表明了传统银行业的发展存在诸多的问题,而Zopa所开展的银行业务则将通过自身优势有效地解决这一系列问题。

Funding Circle是英国首家专注于小企业贷款的金融机构,Zopa则是全球第一家P2P网贷平台。迄今为止,这两家公司的贷款数额均已超过20亿英镑。

UK’s largest peer-to-peer/marketplace lender CEOs outline two very different visions of the future.

Funding Circle and Zopa don’t disagree on much. But when it comes to whether or not to launch a bank, CEOs Samir Desai (pictured above) and Jaidev Janardana have reached a divergence point.

Both delivered keynote speeches at last week’s AltFi Europe Summit. Desai’s – which was entitled: “To be or not to be a bank” – left the audience in little doubt as to Funding Circle’s intentions.

“We at Funding Circle have no plans to launch a bank,” said Desai.

He went on to identify the three types of bank collaboration that have sprung up across the marketplace lending space: banks buying marketplace loans, banks referring customers to platforms and “co-branding” opportunities. He was critical of “lending-as-a-service” integrations, which broadly speaking entail platforms letting banks make use of their technology. Desai said there is “only one winner” in such arrangements.

Janardana’s keynote (“Why we’re launching a bank”) outlined the rationale behind Zopa’s decision to pursue a banking licence, which was announced in November of last year. At launch, Zopa Bank – which will sit alongside the firm’s marketplace lending platform – will be focused on savings products, rather than on a current account offering. Its products will include term deposits and cash ISAs. In time it will also offer instant access savings.

Janardana confirmed in his speech that Zopa will be using deposits to fund loans through the marketplace.

The Zopa boss pointed to PSD2 regulations as a disruptive force that will shake up current accounts, preventing incumbent banks from continuing to use current accounts to "own" customers. He also said that markets are not necessarily efficient, referencing the steady rise of average credit card and overdraft rates since 2011. High levels of customer dissatisfaction with incumbent banks, as represented by generally low Net Promoter Scores, were also referenced in the speech.

Janardana believes that Zopa is uniquely well-placed to launch a next generation bank, which he explained using the slide below.

Funding Circle is the UK’s oldest marketplace lender for small businesses, and Zopa is the world’s original consumer loans marketplace. Both firms have lent more than £2bn to date, making them the largest in the UK by lending volume.


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