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Lending Club成功完成首个自发贷款证券化项目

近日,美国在线借贷平台Lending Club宣布完成首个由公司自行发起的贷款证券化项目,涉及金额为2.794亿美元,债券的主要类型为消费贷款基础债券(CLUB)和信贷信托类债券(CLUB 2017-NP1)。

据悉,这是Lending Club首次发起贷款证券项目,该平台希望以此为契机,利用内部组织结构优势,尝试构建证券程序化销售系统,促进平台在未来进一步提高贷款证券化的规模和效率。债券一经发布,就受到了来自多方投资者的超额认购,而其中大多数投资者则是首次购买由Lending Club所发行的证券。据报道,花旗集团和摩根大通将担任该项目的主承销人,巴黎国民银行和Jefferies集团将共同担任管理机构。

自成立以来,Lending Club共参加过五次贷款证券化项目。其中,本次项目所涉及的2.7亿美元贷款数额排名第三。

LendingClub首席执行官Scott Sanborn表示,本次由公司独自组织发起贷款证券化项目对公司在未来的发展具有重要意义。首先,贷款证券化能够极大的提高平台对于时间长、流动性差的贷款的利用效率,降低平台运营风险。此次,大规模贷款证券化的超额认购也能够极大的提高投资者对LendingClub品牌的信心,有利于为公司在未来的发展奠定用户基础。

同时,Scott Sanborn还表示,将在未来以平台的实力和信誉为基础,吸引更多的机构投资者参与贷款证券的购买,为它们提供一种长期、稳定的融资途径。

据风险管理公司Kroll对债权的评级显示,发放的债权共包括:1.64亿美元A类债券(A-)、4120万美元B类债券(BBB)和7570万美元的C类债券。

LendingClub首席执行官Patrick Dunne表示,此次贷款证券化项目为平台新增了包括保险公司和大型资产管理机构在内的20家机构投资者,充分证明了LendingClub在当今资本市场的运作方式符合投资者的需求,有利于公司在未来提高资产定价能力,加强资产的流动性。

LendingClub (NYSE:LC) has announced its first first self sponsored securitization deal had closed. Announced after the market closed, Lending Club issued $279.4 million in notes backed by consumer loans originated on the LendingClub platform. The Consumer Loan Underlying Bond (CLUB) NP Credit Trust 2017-NP1 (CLUB 2017-NP1) was described as marking the start of LendingClub’s securitization program as Sponsor, Servicer and Administrator. The securitization was said to be oversubscribed by a diverse set of investors, most of whom were new to investing in assets facilitated by LendingClub. Citi and JP Morgan acted as lead underwriters. BNP and Jefferies acted as co-managers.

This is the fifth securitization backed by consumer loan assets facilitated through the LendingClub platform and the third rated securitization of such assets overall.

Scott Sanborn, CEO of LendingClub, said they were pleased with their securitization sponsorship capability.

“It allows us to expand access to large scale, long term investors,” said Sanborn. “The incredible demand for the assets we facilitate is a strong indicator of investor confidence in the LendingClub brand and positions us well for future growth.”

Kroll rated the securities that included $162.4 million of Class A notes rated “A- (sf)”, $41.2 million of Class B notes rated “BBB (sf)” and $75.7 million of Class C notes rated “BB (sf)” backed by approximately $337 million of collateral.

“ We’re broadening our platform to tap into a large and liquid ABS market and with this deal we’ve reached 20 new investors, including insurance companies and large asset managers who are looking for new ways to access the platform,” said Patrick Dunne, Chief Capital Officer of LendingClub. “This transaction also demonstrates a capital markets financing alternative for the portfolios of our existing investors, which may provide better pricing transparency and enhanced liquidity.”


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