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“黄金”机会?贵金属抵押P2P借贷平台成功获英国政府授权

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“黄金”机会?贵金属抵押P2P借贷平台成功获英国政府授权

就在上周,英国政府完全授权的P2P在线借贷平台再添一员。

这家平台名叫Lend&Borrow Trust(LBT),授权审批过程累计历时21个月。该公司允许用户抵押自己的贵金属来借贷。出借方可以购买以“投资级别”黄金和白银条为抵押的借贷产品,获得利息。LBT代出借方实际控制这些金银条,在借款方违约时会将它们售出。

这些抵押的贵金属保存在英格兰和香港专门的保险库中,由现金处理公司Loomis负责。抵押的金银条必须符合伦敦金银协会的标准。

在该平台上,贷款抵押品价值比(LTV)最大为65%。LBT持续监控着LTV水平,当这一数额达到75%时会发出增加抵押额度的警告,这就意味着借款方必须提供更多的抵押品和/或者偿还部分贷款金额以符合LTV标准。

LBT创始人 James Turk在此之前创立了在线黄金交易平台Goldmoney。该公司已在多伦多股票交易所上市,市值2.25亿加拿大元。Goldmoney是LBT的持股公司之一,Turk说LBT将会补充Goldmoney向其150万客户提供的现有服务。Turk解释道:“出借方可以获益,借款方也可以,因为他们可以将自己的贵金属变现。在我们平台上,出借方和借款方在匿名的情况下通过线上拍卖的方式达成合意的“出借&借款”利率。”

借款方提交借款申请由出借方竞拍或者出借方提交愿意借款条件由借款方竞拍。两方都可启动拍卖流程。

LBT在2016年12月完成第一笔贷款交易,自那以后一直以B2B借贷平台模式运营。该平台支持5种货币:英镑、欧元、美元、加拿大元和瑞士法郎。平台上第一笔贷款交易为200万英镑。第二笔为525万加拿大元。

投资者最少需投资5000英镑。企业借款者最小贷款额为25001英镑,个人为60261英镑。

英国P2P借贷平台必须得到完整授权才能向投资者提供创新金融个人储蓄账户(IFISA)产品。现在英国市场内全授权公司不少,世界上首家P2P借贷平台Zopa也是在上周才终于获得了IFISA产品销售授权。

而LBT方面表示,他们的IFISA产品正在筹备中。Golden opportunity? Precious metal-secured peer-to-peer lender gets authorised

There’s a new business model among the ranks of the fully authorised peer-to-peer lenders. Lend & Borrow Trust Company (LBT) is a platform which allows users to borrow against their precious metals.

Lenders earn interest by investing in loans that are secured against “investment grade” gold and silver bars. LBT takes effective control of the pledged gold and silver on behalf of lenders, and will sell it off if a borrower defaults on a repayment.

The pledged precious metals are stored in specialised bullion vaults in England and Hong Kong, operated by cash-handling company Loomis. Pledged bars must meet the standards of the London Bullion Marketing Association.

The maximum loan-to-value ratio on the platform is 65 per cent. LBT continuously monitors the LTV and will make a margin call if it rises to 75 per cent, meaning than the borrower will be required to pledge more collateral and/or partially repay the loan to bring the LTV back into line.

LBT’s founder, James Turk, previously founded and floated an online gold trading platform called Goldmoney. Now listed on the Toronto Stock Exchange, Goldmoney has a market cap of CAD$225m. Goldmoney is a shareholder in LBT, and Turk tells us that the platform will complement the services that Goldmoney already offers to its c. 1.5 million customers.

Turk, who is chairman of LBT, said that the authorisation process has taken 21 months.

LBT has been operating as a business-to-business lending platform since December 2016, when it completed its first loan.

“Lenders benefit, but so do borrowers because they can monetise their precious metals,” he said. “With LBT, borrowers and lenders interact without disclosing their names through online auctions that enable both parties to ‘lend & borrow’ at a mutually agreeable interest rate.”

These auctions may be initiated by both borrowers and lenders. Either borrowers list borrowing proposals, or lenders enter the conditions under which they would be willing to lend, with borrowers then bidding for the money.

The platform supports lending in five different currencies: GBP, EUR, USD, CAD and CHF. Its first loan was a £2m loan in GBP. Its second was a $5.25m deal in CAD.

Investors must invest a minimum of £5k to use the platform. The minimum loan size for business borrowers is £25,001, and £60,261 for individuals.

Peer-to-peer lending platforms in the UK must be fully authorised in order to offer an Innovative Finance ISA product to investors. There are now a decent number of fully authorised firms in the market, including (as of last week) the world’s original peer-to-peer lending platform Zopa.

LBT has said that the launch of its own IFISA is in the pipeline.


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