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。
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。
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.