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波罗的海地区:冉冉升起的欧盟P2P贷款市场新星

全新的互联网金融模式国际资讯

波罗的海地区:冉冉升起的欧盟P2P贷款市场新星

如今,创新技术不断发展,全球各地都出现了自己的“硅谷”。而波罗的海地区无疑是欧洲金融科技领域不可忽视的一颗新星。

比如就在上周,立陶宛财政部推出了全球首个面向区块链业务开放的安全ICO平台,为首次安全交易建立了标准。

此外,波罗的海地区也先后涌现了不少在线借贷平台,比如爱沙尼亚P2P借贷平台先驱Bondora、P2P消费者借贷平台Savy(LT)、 P2P 贷款平台Mintos(LV)和消费借贷平台Twino(LV)。

借助较高的科技普及率渗透和高水平的技术教育,数字革命以来,数量巨大的技术硬件和软件初创公司在波罗的海国家诞生。

滋养创新的环境

政府和商业利益保持一致的环境极大地激发了创新,波罗的海地区已成为许多技术创新的先行者,金融科技蓬勃在这里生长,支付中介公司(如Transferwise)、众多P2P平台在内的多家创企先后在这里诞生。

波罗的海地区只是一个规模很小的市场。 国际扩张需要条件,这似乎与17世纪荷兰东印度公司(VOC)所面临的外部愿景和心理状态有些许相似之处。

劳动力队伍普遍接受了高等教育,与传统市场参与者开展了稳定合作,例如波罗的海银行通过Rietumu金融科技大赛等活动进行金融科技技术孵化,在培育新产品和服务方面开展了密切合作。

波罗的海地区P2P产业现状

波罗的海地区一直是许多P2P平台的发源地,这些平台制定了欧盟标准,并起到了示范的作用。

Twino、Bondora和Mintos是欧洲大陆地区消费贷款业务的翘楚,P2P投资革命以来运营至今。 凭借低违约率脱颖而出,提供流动性和增加(回购)担保。

Welltrado对比报告显示,波罗的海地区公司的收益率高于其他地区。

Finbee(LV)的平均收益率高达20%,而所有公司收益率都在10-20%之间。

能做到高收益率/风险比的原因是,这些公司使用了高质量的发起方,将一种神奇公式用于尽职调查,使用机器学习和人工智能等新技术。

同样值得关注的是Peerberry(LV)公司,该公司借助外部贷款发起方,创建了一个消费者贷款交易市场,提供12.49%的平均利率。

提供短期和中期房地产贷款服务的Estateguru(ES)公司也正在快速发展,推出新债券计划以吸引机构投资者。

波罗的海地区 率先垂范

由于欧盟跨境众筹的管理框架滞后,波罗的海地区欢迎欧盟委办开展的行动,在Lithunia建立工作组,召集中小企业顾问、创业公司、会计师和加速器企业,为他们提供替代融资方面的培训。

尽管力求让跨境投资像投资国际股票市场一样简单,但是要创建行业标准,区块链发起人与智能合约必须紧密结合在一起。平台发起人和资助人共同努力设定标准的风险评估,以便于创建一个同质的跨境P2P市场。

无论是波罗的海人受教育程度高这样的"外部观点",还是促进业务和立法之间开展无缝合作,勠力同心,合作共赢都是一直秉持的理念。

为了P2P业务保持强劲势头,与其他投资类别一争高下,波罗的海国家一路领先。

RIGA - When people talk about their own silicon valley or where the magic happens in disruptive technologies, it's the Baltics you can't miss in EU Fintech.

Last week the Lithuanian ministry of finance introduced the world's first security ICO platform open for global-blockchain-businesses, setting the standard towards the first security exchange.

Being on the forefront of technological innovations the Baltics saw the birth of many online lending marketplaces, including: Bondora, a pioneer out of Estonia, Savy (LT), Mintos (LV) and Twino (LV).

Due to the high level of technology penetration and technology education, these countries have produced a disproportionally high number of technology hardware and software startups ever since the beginning of the digital revolution

A Nurturing Innovational Environment

The Baltics have been first movers on many technological innovations being stimulated by an environment where government and business interests are aligned, letting Fintech emerge.

From being the birthplace of companies interrupting the payment space such as Transferwise to a multitude of P2P platforms being on the forefront of the P2P investing revolution.

We have to understand the Baltics are a small market. Conditions that shape commitment to international expansion, reminding us of the outside vision and mentality of the Dutch VOC in the 17th century.

Take into account the highly educated workforce and steady co-operation with traditional market participants such as Baltic banks nurturing Fintech initiaves through matters as the Rietumu Fintech Challenge, close collaboration is developed in forming new products and services.

Baltic P2P Landscape

The Baltics have been the birthplace of many P2P platforms setting EU standards and leading the way.

Twino, Bondora and Mintos are among the largest marketplaces for consumer loans in Continental Europe, being around since the start of the P2P investing revolution. Standing out in low default rates, providing liquidity and adding (buy back) guarantees.

Yields offered , from a Welltrado report comparison report, show the Baltics skyrocket above the rest.

Finbee (LV) offers average yields as high as 20%, while all of them offering returns between 10-20%.

An explanations of the yield/risk ratio is that they use quality originators, a magic formula for due diligence, using new technologies such as machine learning and artificial intelligence.

One too watch is Peerberry (LV) using outside loan originators and creating a marketplace to trade consumer loans offering a 12.49% on average.

Estateguru (ES) which facilitates short- and mid-term property loans are growing substantially and are even targeting institutional investors with their new bond program.

Baltics, Lead by Example

As the framework regulating matters in EU cross border crowdfunding is lagging behind in EU, we welcome the initiative commissioned by the EU to establish a taskforce in Lithunia bringing together SME advisors, startup, accountants and accelerators to be trained in alternative finance.

While we strive to make cross border investing as easy as investing in international stock markets, we believe in close conjunction between initiators in blockchain and smart contracts for the creation of a industry standard. A EU passport where platform initiators and funders can find eachother together working towards a standard risk assesment to create a homogenous cross border P2P market.

Either its by the 'outside view' of the educated Baltic people, or the nurturing co-operation between doing business and legislation with few bounderies to evolve we sure we are going to work together.

To see P2P propositions hold strong and compete against other investment classes the Baltics are leading the way.


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