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继Marcus之后 高盛计划推出新的在线借贷平台GS Select

在距离Marcus上线即将满一年之际,高盛集团日前表示将推出一个新的名为GS Select的数字平台,让其他财富管理公司和经纪人业务的客户能够申请贷款,利用借款人的投资组合作为抵押,提供7.5万至2500万美元的贷款。

目前,Fidelity Investments集团旗下的Fidelity Clearing & Custody Solutions (FCCS)已经与美国银行和高盛就资金存管等一系列问题达成战略合作关系。

Fidelity Investments集团产品部负责人Mike Durbin表示,目前客户对自身资产负债情况的管理要求越来越高,导致市场需要多家优质的贷款解决方案提供商来解决问题。而通过与贷款领域的几个主要供应商合作,新的平台为企业提供了一整套贷款选择方案,以最好地满足客户的需求。

据悉,通过数字化的贷款处理流程,新的贷款平台GS Select减少几周的贷款处理时间。该平台将高盛专有的技术与专业化的贷款团队相结合,从而简化整个借贷过程。

高盛私人银行部的负责人Andrew Kaiser表示,为了满足客户的借款需求,高盛开发了一个新的数字化贷款方案。基于贷款的生命周期,公司应用了先进的技术,从发起通过抵押品管理等策略,快速有效地满足财务顾问及其客户的需求。

去年10月13日,高盛在官网宣布即将上线个人无抵押网络借款平台--Marcus。平台名称源于高盛的一位创始人--Marcus Goldman。推出Marcus平台也意味着,高盛朝零售银行业再度迈出一步。高盛称信用良好的借款人可向Marcus申请利率固定(5.99%-22.99%)、不含其他费用的借款。

Just one year on from the launch of Marcus, an online lending portal, Goldman Sachs is set to launch a new fintech-style platform where investors from other rival firms can apply for loans.

Goldman Sachs Private Bank Select (GS Select), will make loans of $75,000 to $25m using borrowers' investment portfolios as collateral.

Fidelity Clearing & Custody Solutions (FCCS) -- the division of Fidelity Investments that provides clearing and custody services to registered investment advisors (RIAs), broker-dealers and family offices has entered into strategic relationships with U.S. Bank and Goldman Sachs to provide access to loans for eligible clients of the wealth management firms.

“Wealth management firms are increasingly asked to manage both the asset and liability side of a client’s balance sheet and are looking for a choice of lending solutions and providers, so we continue to see strong demand for these types of products,” said Mike Durbin, head of Fidelity Institutional Product. “By working with several of the major providers in the lending space, our platform offers firms a full suite of options to best meet their clients’ needs.”

GS Select reduces the processing time for a loan from several weeks, it says, to as little as one day by digitizing the loan origination process. The platform combines proprietary technology with personalized support from a dedicated team of lending managers to streamline the borrowing process.

“To help institutions meet their clients’ borrowing needs, we developed a new, digitized lending program. GS Select was built upon our wealth management and lending expertise to help independent advisors enhance their client relationships,” said Andrew Kaiser, head of the Goldman Sachs Private Bank. “By applying technology across the life cycle of a loan –- from origination through collateral management –- we are able to more quickly and effectively meet the needs of financial advisors and their clients.”


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