最有看点的互联网金融门户

最有看点的互联网金融门户
其他国际资讯

金融创企要做好准备 高盛要来“抢生意”了

自从高盛于一个多世纪前成立以来,华尔街先后见证了汽车发明、金本位灭亡到互联网兴起在内的一系列事件。 如今,这些银行首席执行官们不仅要对付金融危机之后试图重组银行业务的法规,还要直面想要改变金融业的技术创业公司带来的竞争。

高盛公司首席执行官Lloyd Blankfein在接受采访时表示,早在上述两个影响出现之前,高盛就已经将业务范围扩展到了投资银行之外,并启动了名为Marcus的消费贷款分公司,该公司自去年创立以来已经成功借贷10亿美元,这一数字预计将在2017年翻倍。一直以来,高盛都在帮助大公司和政府筹集资金,但如今它开始转向消费贷款市场,贷款金额从3,500美元到3万美元不等。

Blankfein表示,之所以要转变,是因为此前高盛的一些传统业务(比如自营交易)发展并不利。虽然法规倾向于鼓励银行业务、贷款等传统银行活动,但金融技术公司已经认识到,实体营业地点并不是吸引消费者的必需项——应用程序和网站就可以满足那些可能不想访问店面的客户。

虽然这些金融科技公司先行一步,但高盛也已对目前的形势有了清楚的认识,比如高盛已经开始使用算法进行风险管理以及数字化分销。

消费贷款是一个大市场。 高盛数字金融公司负责人Harit Talwar去年表示,主要通过信用卡融资的美国消费贷款数额约有1万亿美元。多数情况下,经常遭受现金困扰的美国人是出于紧急状况原因才使用这类贷款。一些新兴的融资公司为他们提供了一种以更便宜的利率偿还债务的方法,现在高盛也加入了这一行列。至于利润率,Blankfein表示,银行有足够的空间做出稳健的回报。

在高盛奋起直追之时,一些在线贷款方则面临着越来越多的问题。 彭博新闻指出,Prosper Marketplace,LendingClub和Avant已经先后出现了借款成本的上升,而有些贷款变坏的速度比预期的更快。Promise Financial公司停止发放新的贷款,转而向银行授权技术。其创始人称,传统银行更适合数字贷款,因为它们的资本成本较低。

Blankfein表示,虽然高盛在科技化金融服务方面前行速度缓慢,但是作为华尔街高服务质量的代表,高盛在未来的发展潜力依旧巨大。所以说,金融科技公司如果还想保持领先的话,就应该迅速行动,否则高盛可能就要把他们的“饭碗”抢走了。

Since Goldman Sachs was founded more than a century ago, Wall Street has adapted to everything from the invention of the automobile and the demise of the gold standard to the rise of the internet. More recently, bank CEOs have contended with regulations that are reshaping their businesses in the wake of the financial crisis, as well as technology startups that want to change the financial industry.

Goldman CEO Lloyd Blankfein suggested in a CNBC interview that both influences are behind its decision to branch out from investment banking and start its consumer lending arm called Marcus, which has lent out about $1 billion since it was created last year and is on track to double that amount in 2017. Goldman has traditionally aided mega companies and governments in raising money, but now it’s going after consumer loans ranging from $3,500 to $30,000.

As Blankfein told CNBC’s Jim Cramer this week, one reason for the shift is that the world no longer looks kindly on some of its historic specializations, like trading on its own account, known as proprietary trading. Regulations instead tend to reward old-school banking activities such as … well, banking, and lending in particular. Financial technology companies, meanwhile, have figured out that you don’t need to build brick-and-mortar locations to attract consumers anymore—an app and a website can reach customers who probably don’t want to visit a storefront anyway.

Fintech firms got there first, but Goldman has now figured it out as well. According to Blankfein, many of the trends fit right into Goldman’s wheelhouse—things like using algorithms for risk management, or digital distribution. Yes, it has a big skyscraper in Manhattan, but not a chain of legacy storefront branches.

And consumer lending is a big market.Harit Talwar, Goldman’s head of digital financial, said last year that there are about $1 trillion of US consumer loans that are financed mostly through credit cards. Often times, cash-strapped Americans take on the debt because of an emergency. Newer fintech companies have given them a way to refinance that debt at a cheaper rates, and now Goldman is, too. Given the margins, Blankfein says there’s plenty of room for the bank to make a solid return.

While Goldman is ramping up, some online lenders face growing problems. Prosper Marketplace, LendingClub, and Avant have seen borrowing costs increase, and some have seen loans go bad faster than they had expected,according to Bloomberg News. Promise Financial stopped making new loans and is instead licensing technology to banks. Its founders said traditional banks are better suited for digital lending since they have a lower cost of capital.

Blankfein said Goldman is moving slowly, as it wants to make sure it’s doing a good job. That makes sense, given Goldman probably also wins the title of Wall Street’s most scrutinized firm. In the meantime, the financial technology set should move quickly if it wants to stay ahead.


用微信扫描可以分享至好友和朋友圈

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消
c

cynthia-lian | 未央团队未央编辑团队

28
总文章数

连晨佳。

消费金融进入黄金时代,民营银行抢占市场

拓天速贷 5小时前

普华永道发布《2017中国fintech调查报告》(附链接)

潘, 妍媛 6小时前

不把用户当上帝巨头也会惨败,WP惜死的教训

师天浩 1天前

资产荒是假,新蓝海是真,优质资产成P2P平台核心竞争力

拓天速贷 1天前

全国金融会议解读

笑看红绿 | 无界财富 1天前

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备13049013号-2