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高盛计划在英推出在线存款平台

近日有消息称,华尔街巨头高盛集团预计将于明年年中在英国推出在线存款业务,此举也是为了延续旗下在线借贷品牌Marcus在美国取得的成功。

高盛战略部负责人Stephen Scherr表示,与美国分部相同,高盛此番在英国推出的新服务将保证其存款利率高于零售银行。

此外他还指出,本次推出的新服务不仅回报高,而且服务也更加高效便捷,而且高盛预计后期也会在英国新增在线借贷服务。

2016年4月,高盛在美国推出存款账户服务,存款利率1.05%,最低存款额1美元。此后,高盛又借势推出了在线借贷平台Marcus,与风头正劲的Lending Club与SoFi形成强烈竞争。

今年6月,高盛的在线借贷部门业务总量成功突破10亿美元,用户最高无抵押借款额为3万美元。

值得注意的是,高盛其实还暗示了另外一种借贷业务策略。今年7月,高盛推出了一个金融科技形式的在线平台,用户可以用自己的投资账户组合作为抵押进行借贷,贷款额度从7.5万美元到2500万美元不等。

更新:高盛集团进军英国市场又有新动作。据多家金融科技媒体报道,9月12日,高盛通过旗下私人资本单元斥资1亿英镑(债务及股权形式)投资英国消费借贷平台Neyber。Neyber平台的贷款上限为2.5万英镑。自成立以来,Neyber已经成功发放贷款5000万英镑。本次投资过后,高盛将与印度金融服务公司Wadhawan集团和Police Mutual共同成为Neyber的投资方。此外,高盛还将在Neyber董事会中担任无投票权的观察方一职。

Wall Street giant Goldman Sachs could take ‘alternative’ lending to the next level. The firm is planning to launch an online deposit business in the UK by the middle of next year

It will aim to replicate the success of its online retail-lending brand Marcus in the US by bringing the service to the UK

Like the US bank, the new UK service will aim to offer higher returns on savings than other retail banks, Stephen Scherr, head of strategy at the bank, told the Financial Times.

"Much like in the US, we’re aiming to offer consumers easy-to-use and higher-returning savings options than [they] might have elsewhere." he told the paper. The firm may also add a lending arm to the UK bank later on, he added.

The firm launched the US savings account in April 2016, offering an interest rate of 1.05 per cent and a minimum deposit of $1. It then launched its lending arm Marcus in October and is a competitor of Lending Club and Sofi.

The lending business crossed the $1bn milestone in June of this year. Users can apply for unsecured loans of up to $30,000 through the platform. It was named after one of the founders of Goldman Sachs, who immigrated to the US from Bavaria in 1848.

Goldman has other lending strategies as well. In July it launched a fintech-style platform where it makes loans of $75,000 to $25m using borrowers' investment portfolios as collateral.

Update: Goldman Sachs has invested in the UK consumer lender Neyber through its private capital unit by providing £100M of debt and equity financing. Offering loans up to £25,000, Neyber touts more than £50M loans funded to date. Neyber.Goldman will become a minority investor, joining company founders, the Indian financial services company Wadhawan Group (who also backs Zopa) and founding investor Police Mutual.Besides, Goldman will also take a non-voting “observer” seat on the Neyber board.


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