I encourage all reporters to check facts.我鼓励所有记者，检查的事实。 In the p2p lending space, both major US p2p lending companies provide data and this data can usually corroborate or debunk basic marketplace claims.在空间的P2P贷款，无论美国主要的P2P贷款公司提供的数据和这些数据通常可以证实或揭穿基本市场索赔。

I was reading a recent Pittsburgh Post-Gazette article on p2p lending:我读最近匹兹堡邮报的文章P2P的贷款： The credit crunch: How did it happen and where do we go from here?信贷紧缩：它是怎么发生的和在什么地方，我们何去何从？ (Thanks to Prosper Lending Review for pointing me to the article: （感谢普罗斯珀贷款审查指着我的第： Credit Crunch Solutions信贷紧缩的解决方案 ).  It was interesting, but one thing made me stop and think… ） 。有趣的是，但有一件事情让我停下来想一想...

Renaud Laplanche, CEO of Lending Club based in Sunnyvale, Calif., said lenders in the online community are regular people who don’t operate under the same restrictions banks do and are not affected by the credit crunch.勒诺拉普朗什，贷款首席执行官俱乐部总部设在加州Sunnyvale ，放款人说，在网上社区经常人谁不下运作，同样的限制银行这样做，而不是受信贷紧缩的情况。

He said loan volume has been increasing 100 percent each month since the company opened in May.他说，贷款数量一直在增加百分百每个月因为该公司在5月开幕。 This month, about $4 million in loans were made through the Web site.在这个月，约400万美元的贷款是通过网站。 The three-year三年期 unsecured loans无担保贷款 are $5,000 to $7,000 at interest rates of between 10 percent and 12 percent.是5000美元，以$ 7000的利息之间的百分之十和百分之十二。

I found the 100% month over month growth astounding, but believable.  This is the part of this that I found hard to reconcile, “$4 million in loans were made this month.”我发现每月100 ％以上的增长令人震惊的一个月，但可信。这是一部分，这一点，我发现难以调和， “ 400万美元的贷款提出了这个月。 ”

My 1st thought was wow,我的第一想法是哇， going national really made a difference国家真的去了一定的作用 .  Then I realized that they were giving me the data and that I could check the accuracy of the claim. 。然后，我认识到，他们给我的数据，我可以检查的准确性要求。

(Even though I am about to debunk the 4 million this month number I still think going national is a huge success for Lending Club.) （即使我要揭穿了400万本月份一些，我仍然认为国家将是一个巨大成功，贷款俱乐部。 ）

The first indication that the 4 million number might be wrong is found directly on a Lending Club Page:第一个迹象表明， 400万数字可能是错误的，发现一个直接贷款俱乐部页面： Latest Performance Statistics最新的效能统计资料 . 。 As of this publication (12/26/07) it states a total loan volume to date of $4,451,675.  That would make “about 4 million” a stretch of either the ongoing growth rate or the monthly loan volume.作为本刊物（ 12/26/07 ）该州的总贷款额的日期4451675美元。这将使得“约400万”一段，无论是正在进行的增长速度或每月的贷款量。

So next I decided to see if the numbers in data that Lending Club provides could shed some light…  So I downloaded the latest loan statistics file into所以我决定下次看到的数字，如果在贷款数据可能会提供一些线索...所以，我下载了最新贷款统计数据文件导入 ProProsper and ran the following sql statement (gets the total count and amount of issued loans from 11/1/2007 until the end of the LC export file).  This is just over 1.5 months of loans.跑以下SQL语句（获得总数和金额发放贷款07年11月1日到年底的立法会汇出档案） 。这是刚刚超过1.5个月的贷款。

select count(*),sum(cast([amount borrowed] as money)) from lendingclubloanstats where cast([issued date] as datetime)>=’11/01/2007′ and status=’current’选择计数（ * ） ，总结（铸（ [金额借来]的钱） ）由lendingclubloanstats在那里投下（ [发布日期]作为日期时间） “ = '11 / 2007分之01 '和地位= '当前'

The result… 253 loans for $2,483,300.结果... 253贷款2,483,300美元。

The conclusion…  The newspaper misquoted the Lending Club CEO.  He must have meant that as of this month they have originated about 4 million in loans, NOT in the last month.结论...错误引用报纸的贷款俱乐部首席执行官。他一定意味着，作为本月底他们来自约400万美元的贷款，而不是在上个月。

Anyone, can run my sql at任何人，可以运行在我的SQL ProProsper or any other sql related to the LendingClub Loan statistics (table name = lendingclubloanstats).或任何其他的SQL有关LendingClub贷款统计（表名称= lendingclubloanstats ） 。

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