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英国推出首个浮动利率在线贷款产品

专栏全新的互联网金融模式国际资讯

英国推出首个浮动利率在线贷款产品

近日,威尔士创企Chetwood Financial宣布推出全球首项动态贷款,其利率将随着借款人提高信用评分升高而下降。

Chetwood将与信用评级公司Clearscore合作,以Livelend品牌上市,利用技术手段监看客户的信用评分,每三个月随着客户贷款风险降低而降低其利率。

发薪日贷款平台为信用记录不佳人群提供金融服务,而由于Wonga等平台破产,这类人群无法再享受金融服务,这款动态贷款产品正是专为这一人群打造。

据悉,包括Monzo和Starling Bank在内的几家竞争平台本周均表示也正在考虑推出类似产品。

Starling首席执行官Anne Boden表示,虽然公司近期不打算进入这一市场,但"我们知道,支付能力有问题的人也有贷款需要"。"这是一个服务欠缺市场。我们一直在寻找能够解决这些问题的创新技术解决方案。"

今年7月,摩根大通首席执行官 Jamie Dimon 表示,投资银行也正在开发鼓励客户提升信用评分的奖励方法。据说公司将在未来几个月测试几种工具,帮助用户改善财务状况。

Clearscore首席执行官Justin Basini表示:

"能让用户享受到这种更公平的信用形式,我们很高兴。这项创新将让更多人享受到更划算的贷款。"

Welsh banking challenger Chetwood Financial has today unveiled the world’s first so-called dynamic loan, where the interest rate falls as borrowers improve their credit score.

Built in collaboration with credit rating firm Clearscore and launched under its brand Livelend, the loan uses technology to monitor a customer’s credit score and reduce its rate at three-month intervals as the risk of the loan improves.

The product will cater to those excluded from the financial industry by the collapse of pay-day lenders such as Wonga, which often served those who couldn’t qualify for products due to bad credit history.

The fintech firm has beat several rivals to the punch, including the likes of Monzo and Starling Bank, who said they were considering similar products this week.

Starling chief executive Anne Boden told City A.M. that while it had no intention of entering the market any time soon, “we are conscious that there is a demand for loans from people with affordability issues”.

“It’s an under-served market. We are constantly looking for innovative technological solutions to problems such as these,” she added.

In July, JP Morgan chief executive Jamie Dimon told Business Insider that the investment bank was also developing ways to reward customers for boosting their credit scores. The firm was said to be commencing the testing of several tools in the coming months, focused on helping consumers improve their financial health.

“We are really excited to bring this fairer form of credit to our users,” said Justin Basini, chief of Clearscore. “This innovation will give even more people access to cost-effective credit.”

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