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高盛预计Marcus放贷数量将在年底前将达到20亿美元

去年10月,高盛推出在线借贷平台Marcus,为用户提供最多3万美元,两年到六年期的固定利率无额外费用的个人贷款,主要目标人群为有较高信用卡债务的人群。近日,高盛CEO Jimmy Lramyd Blankfein在接受采访时对Marcus的发展状况做了总结和预测。

Blankfein表示,在Marcus推出之前,高盛集团在借贷方面的布局只有面向私人银行客户的借款、住房抵押贷款,向私募股权基金提供的借款,向机构客户的贷款等产品类型。而Marcus的服务则主要针对个人用户,有利于为高盛塑造一个亲民的形象。

此外,目前以Lending Club为首的诸多网贷平台的资金多来自于机构资金和个人投资,而 Marcus却不向个人开放投资入口,其贷款资金全部来自高盛集团。这就决定了Marcus的资金端安全、稳定,同时成本低廉。

有部分专家认为,高盛推出Marcus以取代信用卡贷款将降低集团获取的利润。对此,Blankfein表示,目前,高盛的信用卡贷款利率大约维持在17%左右,虽然Marcus的贷款利率比信用卡低了3%到4%,但由于运营成本低廉、用户群庞大等因素,平台仍然取得了可观的收益。

四月份,高盛公布了2017年第一季度财报,各项数据均低于预期,但Marcus并没有收到整体业绩下滑的影响,仍呈现出平稳上涨的态势。

Blankfein还对Marcus在今年的发展情况做了预测,他表示,据高盛日前的统计数据显示,Marcus的放贷数量已经超过10亿美元。平台也将继续坚持稳健发展的战略,到今年年底,这一数字预计将达到20亿美元。

Lloyd Blankfein, CEO of Goldman Sachs (NYSE:GS), was interviewed by Jim Cramer on Mad Money this past week. Blankfein spoke broadly about the status of Goldman Sachs (along with the fact he has started to use Twitter). But one topic of interest was an update on Marcus.

Marcus is Goldman Sachs online lending platform they built from the ground up. Before Marcus was launched, there was considerable chatter that Goldman would partner with, or perhaps acquire, an existing online lender. Instead they decided to go it alone with Marcus – the name of Goldman’s founder. Marcus provides unsecured consumer loans from $3500 to $30,000 mainly targeting credit card debt refinancing.

Cramer asked Blankfein if Marcus was bringing down the gross margins of Goldman. Blankfein said no. Most credit cards charge 17% and up to carry a balance thus generating an opportunity to come in far lower than that but still make a solid profit (Marcus is 300 to 400 basis points lower). Plus, as Blankfein pointed out, there are no branch offices. No costly physical locations to manage. “There is plenty of room for us to make a great return on this,” said Blankfein.

Blankfein told Cramer that Marcus has just crossed over $1 billion in lending. By the end of 2017, Marcus will be over $2 billion in lending. “We wanted to grow it slow to make certain we are doing a good job … but we are going to grow this thing,” added Blankfein.


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