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高盛: 网贷平台表现良好,不排除进军加密货币市场

全新的互联网金融模式国际资讯

高盛: 网贷平台表现良好,不排除进军加密货币市场

新近发布的高盛2017年第四季度业绩报告显示,该集团旗下在线借贷平台Marcus表现良好,贷款发放总量达到20亿美元,在线存款总量突破50亿美元。

存款和借贷业务齐全,如此看来,高盛很有可能在未来设立一个全新的数字银行平台。

高盛在在线消费借贷方面的动向一直备受其他市场参与者关注。不过与大多数在线贷款机构(包括市场借贷平台)不同,Marcus能够从平台提供的存款服务中受益,因为这种存款为高盛提供了非常低的资金成本。尽管高盛的在线贷款业务相对于传统的贷款业务而言规模较小,但却一直处于显著增长状态。

一直以来,高盛对金融科技创新的态度都比较审慎。市场曾经预计,高盛可能在2018年推出一个加密货币交易平台。对于这一预测,高盛方面始终没有正面回应。

不过在最近的一次电话会议上,高盛有关部门负责人表示,高盛对新兴的加密货币市场及其底层区块链技术都非常感兴趣。而且,已经有客户希望高盛能够提供相关的结算服务。而高盛认为,这一领域需要解决的问题有很多,比如资金存管就是其中之一。

 

Meeting a prediction from this past June set by Goldman Sachs CEO Lloyd Blankfein, online lending platform Marcus topped $2 billion in loan originations. Additionally, Marcus reported online deposits of over $5 billion. Deposits and consumer lending have now been combined under a single brand, thus, in reality, creating a challenger bank for the future.

In a Q4 earnings report that was a mixed bag, Marcus operations was a positive note.

Goldman’s push into consumer online lending has been watched closely by other market participants. Unlike most established online lenders, including marketplace lending platforms, Marcus benefits from consumer deposits that provide a very low cost of capital. While Goldman’s online lending operations are small relative to traditional lending, it is well positioned for significant growth.

Goldman has cautiously embraced Fintech innovation. Expectations are for Goldman to launch a cryptocurrency trading desk in 2018. But during the conference call, Goldman said the emerging cryptocurrency space, and Blockchain in particular, are of great interest to the industry and to their company.

The conference call added some color to the topic of Bitcoin trading. Goldman Sachs stated;

“We all know some exchanges have introduced contracts. On the back of this our clients have asked us to provide clearing.”

So will there be trading in crypto? Goldman said there are a huge number of topics to address. Custody is one.

“It is really too early to say how that will evolve for the industry and for ourselves.”


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