英国的P2P借贷平台RateSetter日前表示，他们仍稳居英国最大P2P贷款平台，过去三个月累计发行了7100万英镑的"市场"贷款。刚刚过去的7月（2014年），该公司成为英国首家单月贷款超过2500万英镑的平台。该公司拥有的"匹配"项目为2.96亿英镑。 RateSetter模式是建立在以客户为先的方针上。不仅要提供优质的服务，而且要确保与RateSetter合作过的用户有99%都会向别人推荐这家公司。 该公司为每个依赖于其风险投资的借款人提供基金，确保了借款人自2010年该平台推出后没有遭受过一次损失。顶级研究机构FE曾给予RateSetter相关产品最低为1的风险评分，这已经近似于常见的现金账户了。 RateSetter已同其他公司达成B2B合作关系,为英国的消费者提供更好的服务。例如，手机公司giffgaff和伦敦初创企业CommuterClub正是其中之一。 它最近还宣布，英国商业银行将通过RateSetter为个人、个体经营者和合作伙伴等具备商业目标的借款的人发放贷款。 RateSetter创始人和行政总裁 Rhydian Lewis说： "我们已经成为了著名的英国P2P平台，同时也成为了传统的金融机构的挑战对手。" "作为全球范围内唯一一个具有风险评级的P2P公司，RateSetter为投资者提供“偿债基金”，这让我们成为了那些寻求低风险和高回报的借款人的最佳目标平台。" "RateSetter将始终坚持为核心消费者的最佳利益着想。我们已任命来自First Direct的Alan Hughes为我们的首任主席，以进一步提升客户体验。" "我们还将继续与志同道合的企业合作伙伴，打开市场，以便为英国的消费者提供更好的金融解决方案。" 几个RateSetter客户也给出了不错的反馈意见。Joe Levey说： "RateSetter是本世纪以来最具创新性的金融产品。" "RateSetter认识到保护客户就是P2P的关键点。100％的“偿债基金”就证明了这一点。这就是为什么我有信心把我的钱投入到这个平台的原因，这将有利于继续吸引英国的保守储户参与投资。" Alison Tearle补充说： "RateSetter提供最低的价格。我曾同他们有关一次愉快的电话谈话经历。他们的服务非常友好，很人性化。他们安慰我说，如果我有任何问题，都能直接反映。" "当我需要与他们联系，他们的服务速度是惊人的;他们很快就我提出的质疑和问题做出行动。" RateSetter有效带动了行业增长，2013年这一数字是219％，与去年同期相比增长了107％。 RateSetter成立于2010年10月，旨在简化人际间市场借贷难题。该公司目前受金融行为管理局（FCA）监管。
In a statement UK based peer to peer (P2P) lending platform RateSetter said they have strengthened their position as the largest P2P lender in the UK, handling a “market-leading” ￡71m in loans over the last three months. This past July (2014), the company became the first to pass ￡25m lent in a single month. The company has “matched” over ￡296 million.
The RateSetter formula is built on a customer-first approach, not just the value that the company offers, according to the company. RateSetter’s customer service has ensured that it is recommended by 99% of customers*.
The company’s Provision Fund, into which each borrower pays a contribution dependent on their risk profile, has ensured that no saver has lost a penny since the platform launched in 2010. This minimal risk profile is highlighted by the risk score of 1, similar to cash accounts, that has been given to RateSetter’s products by top research agency FE.
RateSetter has entered into B2B partnerships with other companies to provide Britain’s consumers with a better deal. Mobile phone company giffgaff and London start-up CommuterClub are amongst those teaming up with the platform to provide more affordable loans for their customers.
It was also recently announced that the British Business Bank will begin lending through RateSetter to individuals, sole traders and partnerships who are borrowing for business purposes.
Rhydian Lewis, Founder and Chief Executive of RateSetter, said:
“We have emerged as the leading UK P2P platform at a time when the industry is consolidating its position as a genuine rival to traditional financial institutions.”
“As the only P2P company worldwide to have a risk rating, and with the benefit of our market-leading Provision Fund, RateSetter is the go-to platform for savers looking for low risk and high return.”
“RateSetter was conceived with the consumer’s best interests at heart and this will continue to be our focus. We have appointed Alan Hughes, who led First Direct’s success, as our first Chairman to further improve customer experience.”
“We will also continue to partner with like-minded companies to disrupt the market in order to offer improved finance solutions for Britain’s consumers.”
Several RateSetter customers were asked for feedback on using the service. Joe Levey, a RateSetter saver from Sheffield, said:
“RateSetter is the most innovative financial product of the millennium so far.”
“RateSetter recognises the fact that customer protection must be at the heart of P2P. The 100% Provision Fund is testament to this. It is the reason why I am confident to put my money into the platform, and the characteristic that will continue to attract Britain’s hard-pressed savers!”
Alison Tearle, a RateSetter borrower from Aylesbury, added:
“RateSetter offered the lowest rates. I also had such a pleasant experience with them over the telephone. It was a very friendly and ‘human’ service, and reassured me that if I had any questions, I would be able to speak to someone directly”
“When I did need to contact them, the speed of their service was great; they were quick to respond to my queries and questions.”
RateSetter led industry growth in 2013, grew at 219% last year compared to industry growth of 107%.
RateSetter was established in October 2010, with the aim of simplifying the peer-to-peer sector. RateSetter is authorised and regulated by the Financial Conduct Authority (FCA).