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英国网贷平台Zopa正式获得IFISA完全授权

历时超过一年,英国网贷平台Zopa近日终于获得了来自FCA的关于IFISA的完全授权。

2016年,英国政府推出了全新的创新金融ISA(IFISA)--根据相关标准将P2P贷款引入ISA投资组合。但是,在接受IFISA资金之前,P2P借贷平台必须要获得完全授权,其中包括Crowd2Fund, Funding Tree和Crowdstacker。根据FCA对授权流程发布的最新声明显示,已经有超过8家公司获得了完全授权,还有86家公司处于等待状态,其中有44家获得临时授权。

Zopa联合创始人Giles Andrews表示,自成立以来,公司一直致力于协助行业监管部门实现稳定发展,而此次获得IFISA完全授权则有利于进一步发挥Zopa在网贷行业中的作用。

此外,Zopa方面还表示,他们正在向英国监管部门申请银行牌照,并且他们对英国的金融监管环境很有信心,因为银行业的创新是监管层所欢迎的。公司现任CEO Jaidev Janardana表示,Zopa一直都很重视在零售金融服务以及带动消费者选择和增加透明度方面的不断创新。我们回应积极的监管环境并依靠我们自身的经验给市场带去更多的选择。

Zopa的最新举动同时也引发了一定的争议,英国媒体在近日报道中指出,P2P借贷平台通过个人对个人的形式直接放款,借贷双方参考市场行情确定的利息也比较高,这种形式的优势在于提高了交易效率。但是,从申请银行牌照再到获得IFISA授权,Zopa的一系列举动有可能影响到其他P2P平台的稳定运营,如果Zopa可以这么做,那么他们是不是也会加入到主流当中,还是一个未知数。

Zopa目前已发展成为英国最大的P2P网贷平台,放款总额超过27亿英镑。在过去一年中,该平台总共向超过6万名用户发放了约8亿英镑贷款。

The first peer to peer lender to launch in the UK back in 2005 has finally received full authorisation from the Financial Conduct Authority (FCA). Zopa, a trailblazer in the global online lending sector, announced that it has been granted full authorisation for peer-to-peer lending (Article 36H).

Co-founder, Chairman and former CEO Giles Andrews said they were delighted to receive their full FCA authorisation.

“Zopa, both individually and as a founder member of the Peer-to-Peer Finance Association (P2PFA), has campaigned for peer-to-peer lending to be a regulated activity for a number of years.”

Zopa CEO Jaidev Janardana, Zopa’s CEO, said the process has been rigorous and in-depth as the regulator extensively scrutinized the online lender;

“We will continue to focus on serving UK borrowers and investors through our market-leading products and best-in-class customer experience,” said Janardan. “In addition, we are also working towards applying for a banking license which will allow us to offer great customer choice whether you are spending, borrowing, saving or investing”.

Full authorization from the FCA is a pre-requisite for Zopa to offer the Innovative Finance ISAs (IFISA). Multiple online lenders have already been approved to offer IFISA’s, a boon to the industry, but the one platform to launch them all continues to wait. Expectations are for Zopa to receive IFISA authorization at some point this year.

Zopa also said it will seek permission from Her Majesty’s Treasury (HMT) to become an ISA Manager. Further details of the launch of Zopa’s Innovative Finance ISA will be announced following the HMT’s decision.

Zopa is the largest P2P lender in the UK. Having originated over £2.7 billion in loans, over the last 12 months Zopa lent over £800 million with over 60,000 active individual investors.


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