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学生贷款平台Prodigy Finance再获10亿美元债务融资

全新的互联网金融模式国际资讯

学生贷款平台Prodigy Finance再获10亿美元债务融资

近日,学生贷款平台Prodigy Finance宣布完成10亿美元的债务融资。

据了解,本次融资的大部分资金(9亿美元)都来自德意志银行、高盛、三井住友等著名机构投资者,不过一些学校、家族办公室和高净值投资者也通过瑞士信贷发放的债券参与了本次投资。

Prodigy的贷款产品主要面对的是一些全球顶尖大学或商学院的国际留学生。据统计,自成立以来,Prodigy已经累计为来自132个国家的11200名学生提供了累计5.38亿美元的贷款。

Prodigy在提供贷款时,不仅会研究申请人的历史信贷记录,同时也会考量一系列其他变量(比如预期收益和大学接受度)等。

新兴经济体国家的留学生一直都是Prodigy重点关注的领域,并已经成为该平台重要的增长区域,其中以巴西、俄罗斯、印度和中国的留学生为主。

据统计,2016-17学年度,美国累计接收了107.8万名国际留学生,最受欢迎的工程学新生人数为230,711名,另有200,754名学生选择学习商业和管理类课程。

这些学生年龄小,专业经验更少,储蓄也严重不足,正是急需贷款的关键人群。

目前,就工程类专业来说,Prodigy的贷款产品已经覆盖245所特定工程类院校和2222名课程的学生,其中包括电气与计算机工程、数据分析、工业、化学和核工程信息系统。

未来,Prodigy还将扩大其在工程类学生中的覆盖面,同时也计划推出国际毕业生再融资类产品。

 

 

Keeping pace with another online lender, Prodigy Finance has secured $1bn in debt financing.

The student lending specialist has raised the money over the last 12 months from investors including Deutsche Bank, Goldman Sachs, M&G Investments and Sumitomo Mitsui Banking Corporation. While most of the funds ($900m) came from these institutional investors, schools, family offices and high net worth individuals also participated through the medium of bonds distributed by Credit Suisse.

Prodigy’s game is funding international students through some of the world’s top universities and business schools, with a particular focus on students from emerging markets, where financing options are limited. It underwrites loans by looking at a range of variables, including projected earnings and university acceptance, rather than solely focusing on historical credit.

“Our global credit model has allowed us to help international students with limited or no funding options to gain access to life-changing opportunities and become the next generation of leaders around the world,” said Prodigy’s founder and CEO Cameron Stevens.

Prodigy has identified engineering as a key growth sector, especially among students from Brazil, Russia, India and China. It points out that in 2016/17, the US hosted 1.078 million international students, with engineering the most popular field of study at 230,711 students, versus 200,754 studying business and management. Prodigy says engineering students tend to be younger, with less professional experience, lower savings and hence a greater need for financing.

With the $1bn bagged, Prodigy will increase its activities in the field of engineering. It currently supports 245 specific engineering schools and 2,222 courses, including electrical and computer engineering, data analytics, information systems industrial, chemical and nuclear engineering.

The fundraising has also allowed Prodigy to launch a refinancing product for international graduates from US schools.

To date, Prodigy has funded over 11,200 students from 132 countries, lending over $538m.


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