One of Prosper’s most recent changes was to add bidding guidance on the manual bid page. See the picture below.一个繁荣的最新变化是增加投标的指导手册申办网页。见下面的图片。
I think this is a great feature in theory. It makes the estimated return obvious using Prosper’s own roll rates. I am sure this will be an incredibly valuable feature for all manual bidding lenders.我认为这是一个伟大的功能理论。这使返回明显的估计使用普罗斯珀自己的唱名利率。我相信这将是一个难以置信的颇有价值的功能，所有的手动竞标放款。
However, I would caution lender to think for themselves a little bit. Speaking as one who has analyzed a bunch of Prosper data if you sliced the current loan data into但是，我要提醒贷款人认为自己一点。谈到作为一个谁也分析了一大堆普罗斯珀数据如果你切成目前贷款数据 54 equal segments (see graph at the bottom of the page) 54平等部分（见图表底部的页面） you start to get some mighty fine segments. There are currently 15,832 loans on Prosper.你开始获得一些强大的罚款部分。目前有15832贷款的繁荣。 15,832 / 54 = 293 per segment assuming equal size buckets. I haven’t looked but I am sure that not all buckets are of equal size. Even with even distribution this is cutting it close.五十四分之一万五千八百三十二= 293每部分承担同等大小水桶。我还没有看，但我相信，并非所有的水桶都同样大小。即使均匀分布，这是削减它关闭。
And then there is然后有 Heisenberg’s Uncertainty Principle海森堡的测不准原理 (ie now that these segments are measured they a bound to change). I would imagine the Prosper updates the various adjustment fields on a regular interval, but even so the nature of the buckets themselves might change. （即现在，这些领域是衡量他们合订本改变） 。我想象的普罗斯珀更新了各种领域的调整间隔时间定期，但即使如此性质的水桶本身可能会改变。
Overall, I think this feature is more good than harm. In fact, I am not sure there is any harm. I just think that lenders need to think for themselves. For example, I biggest hole in the segments is that they don’t adjust for loan amount. Then again 108 segments would cut the data even thinner.总的来说，我觉得这个功能是利大于弊。事实上，我不知道有任何伤害。我只是认为，银行必须考虑自己。举例来说，我最大的洞段的是，他们不调整贷款数额。然后再次将108个部门削减的数据甚至更薄。
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6 comments ↓ 6日的评论↓
Rather than 293 buckets, shouldn’t that be 54 buckets of 293 loans each (assuming they are equal which they probably aren’t).而不是293桶，不应该说是54桶293每个贷款（假定他们是平等的，他们可能没有） 。 Where are you getting 293 buckets ?你是哪里得到293个水桶？
Some will be sparse and some will hide good/bad loans, such as there is only one segment of HR with autofunding that isn’t broken down further into # of DQs, so the 0 DQs and 6+DQs share a single combined expected loss rates, but guess who carries most of that, and who is the less risky of the two.有的将稀疏，有些将隐藏良好/不良贷款，如只有一个部分的人力资源与autofunding这不是进一步细分到＃的控制接脚，所以0控制接脚和6 +控制接脚共用一个合并预期损失利率，但带有猜测谁是这一点，谁是风险较小的两个。
I haven’t checked the actual numbers, but as long as people don’t get scared off by the big estimated loss numbers, there may be possiblities there.我还没有检查的实际人数，但只要人们再也不害怕了很大的损失估计数字，可能有possiblities存在。
As you mention loan amounts will be a factor as well至于你提到的贷款数额将是一个因素，以及
What amazes me after all the fuss about DTI我什么惊讶毕竟做文章，贸工部
There are no DTI buckets!!!没有贸工部水桶！ Higher DTI is obviously worse.贸工部高级显然是更糟。 Prosper data does not show that because lenders would fund every junk loan under 20% DTI.蓬勃发展的数据并不表明，由于贷款人都将垃圾基金贷款根据贸工部的20 ％ 。 So Prosper is using numbers that were biased by Prosper.所以普罗斯珀使用数字，有偏见的繁荣。
Chrisfs: Chrisfs ：
Rateladder is saying 54 buckets, not 293: Rateladder说是54个水桶，而不是293 ：
“There are currently 15,832 loans on Prosper. “目前有15832贷款繁荣。 15,832 / 54 = 293 per segment assuming equal size buckets.”五十四分之一万五千八百三十二= 293每部分承担同等大小水桶。 “
Correction.校正。 A’s do have a DTI bucket A的有一个贸工部水桶
But As do not have a DQ bucket!但是，由于没有德泉斗！
A’s with DQs will now be funded by Prosper Portfolios! A的控制接脚与现在将经费由普罗斯珀组合！
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