最有看点的互联网金融门户

最有看点的互联网金融门户
全新的互联网金融模式国际资讯

金融科技创企让美国人又一次“债台高筑”?

全新的互联网金融模式国际资讯

金融科技创企让美国人又一次“债台高筑”?

信用危机十年后,美国人再次开始各式累积债务,比如信用卡、学生贷款和住房按揭贷款。个人贷款在fintech创企的助推之下尤其增长迅速。越来越多的信用不佳者贷此类贷款,贷款方在下一经济下行期的风险正在增加。

TransUnion 数据显示,截至三月个人贷款超期金额已达1200亿美元,十年前次贷危机爆发时仅为719亿美元(相当于如今的900亿美元)。约1700万美国人身背此类无担保贷款,而住房按揭和汽车贷款有抵押。

金融科技创企如Lending Club、Prosper和Avant发放了其中的1/3,2010年这一比例仅为1%。

TransUnion消费者借贷业务主管Jason Laky说个人贷款之前主要是那些信用差、无法获得信用卡或房屋净值贷款的人使用。在最近这场衰退中,一些银行和信用合作社不进行个人贷款业务因为此类贷款没有抵押,在经济放缓或贷款不良时贷款方会遭受更大损失。

但fintech企业带来了个人贷款的复兴。Laky说传统金融公司远离该领域,创企发现许多这些借贷者倾向于数字平台获得快速便捷的信贷。个人贷款无需准备抵押品随属的文件,因此借贷者可以迅速获得资金转账。

很多时候,个人贷款被用来偿还其他信贷如信用卡欠款。另些人用去装修屋子,此种以前靠房屋净值贷款。

fintech公司大力推进这一领域,银行和信用合作社也没有放弃。TransUnion数据显示,科技创企发放了310亿美元贷款额,银行225亿美元,信用合作社187亿美元。银行发放的个人贷款超期金额自2010翻了一番。

华尔街大哥高盛利用其2016年推出的Marcus线上银行系统加入占据。高盛说Marcus有150多万用户,自推出后已发放40亿消费者贷款。

虽然增长迅速,个人贷款市场总量依然相对较小。只有6%美国消费者负有无担保贷款,而车贷和信用卡贷款则分别有29%和60%。Laky说:"我们相信有很多空间。"

一大考验就是经济放缓或紧缩的时候。金融公司争抢着借出资金,因此向违约风险更高的借款者发放贷款。Sentieo数据显示,最近分析师和金融公司执行官在收益报告中提到"信用周期"的次数是经济下行来最高。这一个人贷款旺年不良率最高。

索然许多新的贷款方没有经历过衰退,但他们招聘了经历过困难时刻的资深金融执行经理。但即使如此,所有贷款方不仅是fintech在经济衰退来临时将面临挑战。

Ten years on from the credit crisis, Americans are again piling on debt in all its varieties, from credit cards to student loans to mortgages. These days, personal loans—a category turbocharged by fintech upstarts—are growing especially quickly. With an increasing number of shaky borrowers taking on this debt, the risks are growing for lenders during the next economic downturn.

The stock of personal loans outstanding has grown to about $120 billion as of March, according to TransUnion data. That compares with $71.9 billion a decade ago—worth around $90 billion adjusted for inflation—when the subprime mortgage crisis crescendoed. About 17 million Americans have this type of debt which, unlike mortgages and automobile loans, isn’t collateralized by an asset.

Upstart financial technology companies like Lending Club, Prosper, and Avant account for about a third of this lending, up from less than 1% in 2010.

Until recently, personal loans were mainly used by borrowers with poor credit who may not have had access to credit cards or home equity loans, according to Jason Laky, TransUnion’s consumer-lending business lead. During the most recent recession, a number of banks and credit unions avoided personal loans because they are unsecured, which often results in greater losses for lenders when the economy slows and loans go sour.

But fintechs have led a personal-loan revival. As traditional financial firms stepped away from the sector, startups found that many of these borrowers preferred their digital platforms, which can provide quick and easy credit, Laky said. Personal loans don’t have the paperwork that comes with collateral, so funds can be rapidly originated and transferred to the borrower.

In many cases, personal loans are taken out to refinance other kinds of debt, like credit card balances. Other consumers use them for, say, home improvement projects that would have previously been financed with a home equity loan.

Fintechs are aggressively pushing into this space, but banks and credit unions are also ramping up their efforts. Tech upstarts account for about $31 billion of this type of debt, compared with $22.5 billion for banks and $18.7 billion for credit unions, according to TransUnion data. The amount of personal loans outstanding originated by banks has more than doubled since 2010.

Goldman Sachs has jumped in with its Marcus online bank, which the Wall Street stalwart introduced in 2016. Goldman says Marcus has more than 1.5 million customers and has originated more than $4 billion in consumer loans since it launched.

Despite rapid growth, the size of the personal loan market is relatively modest. About 6% of American consumers have an open loan, according to TransUnion data, compared with 29% for auto loans and 60% for credit card loans. “We believe there is a lot of runway,” Laky said.

A major test will be when the economy slows down, or even contracts. As financial firms compete to lend money, they’ve been extending more credit to subprime borrowers who are at higher risk of default. Lately, analysts and finance execs have mentioned the “credit cycle” during earnings calls more than at any time since the last downturn, according to Sentieo. The most recent personal-loan vintages have the highest delinquency rates.

Though many of these newer lenders haven’t been through a recession before, Laky pointed out that they have recruited seasoned financial executives who have been through tough times before. Even so, he acknowledged that all lenders—not just fintechs—will face challenges when the downturn finally arrives.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消
P

PP未央编辑团队

151
总文章数

TA还没写个人介绍。。。

佐治亚州面向全州范围内大学提供区块链相关金融科技学位项目

Jack Mathi... | 巴比特资讯 5小时前

纳斯达克收购金融科技供应商Cinnober

高旭 | 36Kr 7小时前

毕马威收购金融科技创企AdviceRobo部分股权

高旭 1天前

柏林有哪些炙手可热的金融科技创企?

Fintechnew... 1天前

印尼金融科技业务平台MOKA获2400万美元B轮融资,红杉印度领投

Jon Russel... | 猎云网 09-14

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1