October 28th, 2008 — 2008年10月28日- Lending Club贷款俱乐部
Renaud Laplanche, founder and CEO of勒诺拉普朗什，公司的创始人及首席执行官 Lending Club贷款俱乐部 in California recently spoke with Jackie Hyland from在加利福尼亚州最近采访了由成龙海仑 ABC News Money Matters about Lending Club ABC新闻金钱有关贷款事项俱乐部 , where borrowers with good credit can obtain personal loans from complete strangers.在借款人与良好的信誉可以得到个人贷款从完全陌生。 It was touted as providing a unique and creative way to get a loan that will offer lower interest rates than most credit card companies and banks can.这是吹捧为提供了一个独特和创造性的方式获得的贷款将提供利率低于最信用卡公司和银行可以。 (Note: Prosper is in a quiet period and has more or less shut down lender operations. （注：普罗斯珀是在一个安静的时期，或多或少关闭银行业务。 Loanio ( （ Loanio Blog Loanio博客 ) has just launched but lack the secondary market of Lending Club. ）刚刚推出，但缺乏二级市场的借贷俱乐部。
Here is my synopsis of the interview…这是我简要的采访...
Lending club operates in the same way as a normal marketplace, however instead of having buyers and sellers, the website caters to borrowers and lenders.俱乐部经营的贷款以同样的方式作为一个正常的市场，但不是让买家和卖家，网站迎合借方和贷方。 “Borrowers are there to get a loan, and lenders are there to make investments in these loans requested by the borrowers and fair interest rates as a result, and at the same time feel good about it because they’re helping other people.” Renaud Laplanche told Money Matters. “借款人是为了获得贷款，贷款人在那里进行投资，这些贷款要求的借款和公正的利率结果，并在同一时间感觉良好，因为他们正在帮助其他人。 ”勒诺拉普朗什告诉货币事项。
Peer to Peer lending or P2P lending allows borrowers and lenders to cut the middle man out, exchanging loans for an average interest rate of 10% to 12% instead of whatever high interest rates lending institutions are currently offering.点对点的P2P贷款或贷款允许借款人和贷款人减少了中间的人，交流贷款的平均利率为10 ％至12 ％不是什么高利息贷款机构目前正在发行。 With the recent credit crunch, not only is the demand for peer to peer lending alternatives going up, but Lending Club has also experienced a dramatic increase in the supply of lending options as lenders look for new ways to invest as returns on the stock market slow.随着最近的信贷紧缩，不仅是需求的点对点贷款办法去了，但贷款俱乐部也经历了急剧增加的贷款供应作为贷方的选择寻找新的投资方式作为回报，股市缓慢。
Since May of 2007 when Lending Club was founded, more than $20,000,000 dollars in loans have been offered through the website on a peer to peer basis.自2007年5月，当贷款俱乐部成立后，超过二千点〇 〇 〇万美元美元的贷款提供了通过网站上点对点的基础。 A new SEC-backed program was introduced to Lending Club only ten days ago, and has already facilitating the lending of more than $1 million dollars from lenders to borrowers on the website.一种新的证券交易委员会支持的项目介绍给贷款俱乐部只有10天前，并已协助贷款逾1美元， 100万美元贷款的借款人在网站上。
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October 14th, 2008 — 2008年10月十四日- In the News新闻 , ， P2P Lending点对点贷款 , ， Zopa索巴宁波
Zopa, the UK based peer to peer lending company, is shutting down their US branch due as a result of toughening conditions that are currently being experienced by the US economy.索巴宁波，英国基于点对点贷款公司，将关闭其美国分公司由于由于增韧条件，目前正在经历的美国经济。 Zopa provides loan services in the UK, as well as in Italy and Japan through a pure P2P style marketplace.索巴宁波提供贷款服务，在英国，以及在意大利和日本通过一个纯粹的P2P式市场。 Borrowers would request loans, and then the individual lenders would contribute as much or as little as they wanted to, towards the request.借款人要求贷款，然后个人贷款将有助于多少因为他们想，实现这一要求。 Then when enough funding has been collected, the loan is finally put together and granted.然后，当足够的资金已收集，贷款终于整理和理所当然的。 As the borrower pays back the loan, interest earned goes back to the lenders.作为借款人向贷款支持，利息可追溯到贷款。 This micro lending model has made the system popular in the UK and the Italy, and Zopa is soon to open a branch in Japan following the same model.这种小额贷款模式，使系统流行的英国和意大利，索巴宁波即将开设分行之后在日本同样的模式。
With the opening of the United States branch, Zopa found that they could not launch the same kind of lending system due to regulatory issues.同日开幕的美国分支，索巴宁波发现，他们不能推出同类贷款制度由于监管问题。 In order to provide their service, they have teamed up with credit unions in order to provide these lending services.为了提供服务，他们已经联手与信用社，以提供这些贷款的服务。 Lenders would park money in CDs with the credit unions, and this would allow their money to sit before borrowers request the money.放款人将钱公园的CD与信用社，这将使他们的钱坐在面前的借款人的资金要求。 This would enable the borrowers and the lenders to enjoy the same sort of interest rate benefits as the European users.这将使借款人和贷款人享有同样的利息的好处，欧洲的用户。 The regulatory restrictions that were placed upon Zopa would ironically cause the same conditions leading to the监管的限制，被放在具有讽刺意味的索巴宁波将导致相同的条件导致 closing of Zopa’s United States branch索巴宁波闭幕的美国分公司 , however.然而。
The same regulations behind the restriction of Zopa’s services are a part of the US economic crisis that has cause interest rates to skyrocket and the economy to experience a great deal of turmoil in the process.同样的法规限制背后的索巴宁波的服务的一部分，美国的经济危机，导致利率上涨和经济经历了大量的风暴的过程中。 With less and less benefit being offered to lenders and borrowers, Zopa was forced to close down the United States branch.随着越来越少，受益提供给借方和贷方，索巴宁波被迫关闭美国分支。 US lenders and borrowers will not be completely put out, however.美国借方和贷方不会完全扑灭，但是。 Zopa is directing its current and future US customers to deal directly with the credit unions that it had partnered with.索巴宁波是指导当前和今后的美国客户直接打交道的信用社，它已与合作。
Despite rumors, the credit unions had not reduced the amount of loans created.尽管有传闻，信用社没有减少贷款数额，创建。 Rather, the credit unions has increased the number of loans made as traditional US bank and lending institutes have reduced their volume.相反，信用社增加了贷款作为传统的美国银行和借贷机构已经减少了它们的数量。 Credit unions are not susceptible to the financial woes of Wall Street, and as such are making as many loans as before, if not more for making up the reduction that is a result of the economic crisis.信用合作社不容易的财务困境的华尔街，这样使许多贷款之前，如果不是更多的话作出了减少，这是由于经济危机。 For this reason, Zopa is glad to be able to provide US customers with a viable option that can provide a great service.出于这个原因，索巴宁波很高兴能够提供美国客户提供一个可行的选择，可以提供一个伟大的服务。
Existing customers will be gradually migrated to the partnered credit unions.现有客户也将逐步迁移到合作信用社。 Individual borrowers and lenders will still enjoy the same interest rates, customer service and federal insurance for CDs made.个人借款人和贷款人将仍然享有同样的利率，客户服务和联邦保险的CD了。 Payment schedule will also be identical, only payments will transfer over to the credit unions.付款时间表也将是相同的，只有付款将转让给信用社。 This transition is made easy since in the US, loans were setup already with the credit unions.这种过渡是容易，因为在美国，贷款是安装已经与信用合作社。
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May 29th, 2008 — 08年5月29日- Listing Review上市审查 , ， Prosper.com , ， Strategy战略
I have had several bloggers ask for advice on their listings or potential listings… One of them even joined my group and我有几个博客请教他们的物品或潜在的物品...其中一人甚至加入我的组和 successfully received a $25K loan成功收到25,000美元的贷款 at an interest rate he was happy with…在利息，他很高兴与...
As a blogger the reputation of your blog has meaning for you both in terms of your persona, but also in real financial terms… I have said privately, that I would lend to any blogger of 1 year duration or longer that placed their blog reputation on the line in the listing…作为一名Blogger的声誉，您的博客已经为你的意义两方面的人物，而且在真正的财务条款...我已私下说，我将给予任何博客1年或更长的时间放在自己的博客声誉该行的上市...
My offer to any blogger that has asked has been the same… Write a listing and mention your blog and url and I will endorse and bid on your listing and offer all the tips and assistance I know how to provide in order to get your loan funded and the rate as low as possible…我提供的任何博客已经问了同样的...收件清单，并提到您的博客和网址，我会赞同和竞标您的物品，并提供所有的提示和帮助我知道如何提供，以便让您的贷款资助率和尽可能低的水平...
While I am still making that offer to any blogger, I thought I would share my tips for creating the best possible listing that anyone can use on prosper to虽然我仍然决策提供任何博客，我想分享我的秘诀创造尽可能好的物品，任何人都可以使用的繁荣， get a loan获得贷款 . 。
- There are some credit statistics that are factual and out of your control (current inquires, current delinquencies, etc.). These are simple related to your circumstance and are difficult to adjust for your benefit by definition… There are others that you can control namely loan amount and the related DTI. If at all possible with your statistics that are our of your control, adjust your loan amount and there by your DTI to conform to a也有一些信贷的统计数字，是事实，并在你的控制（目前询问，目前拖欠，等等） 。这些都是简单的与您的情况下，难以调整的受益的定义...还有其他，您可以控制即贷款金额及有关贸工部。如果在所有可能与您的统计数字，是我们的控制，调整您的贷款金额和您的贸工部，以符合一 portfolio plan slice产品组合计划切片 . These slices are updating frequently and they can be a moving target (ask 。这片正在更新频繁，他们可以是一个移动的目标（问 deep market深市场 … his listing went live at 3 in the afternoon and the slices were adjust that evening.) Why? ...他列出了3生活在下午和调整片是晚上。 ）为什么呢？ because the default portfolio plans have a lot of purchasing power… (My own listing might have gotten as much as因为默认的组合计划有很多的购买力... （我自己的上市可能会得到多达 $12K+ in portfolio plan bids in 4 days $ 12,000 +在产品组合计划出价4天 .) 。 ）
- End your listing around 5pm est… For whatever reason that seems to be the time when more bids are placed. This leads me to believe this is a time of peak lender activity.完您的物品周围的EST下午...不管什么原因，似乎是时候更多的出价被置于。这使我认为这是一个时间的高峰贷款活动。
- End you listing on Thursday (assuming normal weekend and not a holiday)… This may no longer hold the same power as it once did (due to the你完日上市（假定正常的，而不是周末假日） ...这可能不再拥有同样的权力，因为它曾经（由于 $50 instant transfer for Facebook users 50美元即时汇款Facebook的用户 ), but the theory goes… Any lender transfer of money occurring between 11:01am est Friday and 11:00am Monday will result in the money being available for bidding on Thursday due to the time it takes for the transactions to clear the bank… Not everyone is a facebook user or has the Prosper facebook application installed and therefore I would still use this tip. ） ，但理论不用...任何银行汇款之间发生上午11点01东方星期五和星期一上午11:00将导致资金被用于招标周四由于时间的交易，明确的银行...这不是每个人都是Facebook的用户或有普罗斯珀Facebook的应用程序安装，因此我将仍然使用这一招。
- Tell you story. Be truthful and honest and put as much detail into the story as you feel comfortable with… An expenses breakdown and a list of income amount and sources might help with a lower interest rate. But only provide what you are comfortable sharing. Your listing should make sense financially, else why are you getting the loan?告诉你的故事。真实和诚实，并尽量详细的故事，你觉得舒服...一个开支细目，并列出数量和收入来源可能有助于降低利率。但是，只有你提供舒适共享。您的物品应在财政意义，否则你为什么获得贷款？
- Use a relevant picture… Do not you use a picture of someone else’s house or someone else’s blond girlfriend (hat tip to Freakonomics who says that young blond women out sell all other demographics in America).使用有关的图片...难道你不使用的图片别人的房子或别人的金发碧眼的女朋友（帽子小费，以怪诞经济学说，谁年轻的金发妇女出售的所有其他人口在美国） 。
- Choose the right starting interest rate… Prosper now provides interest rate guidance. Use the rate with the best chance of funding.选择正确的出发利息...普罗斯珀现在提供利息指导。使用率的最佳机会的资金。 You cannot get a loan if you listing does not reach 100% funded… The listing will only begin to be bid lower after it reaches 100% funded.你不能得到贷款如果你不上市达到100 ％资助...列表将只开始竞标后，低达100 ％的资金。
- Get endorsements from friends and get bids from friends who have endorsed your listing.获得签注从朋友并获得竞标的朋友谁也赞同您的物品。 I had 14+ endorsements (maybe a bit of overkill) and 11 bids from Prosper friends. I also have a number of bids from friends that are not confirmed Friends on Prosper. Try to get at least 3 friends to endorse and bid on your listing.我有14 +签注（也许有点矫枉过正）和11个竞标普罗斯珀朋友。我也有一些来自朋友的出价不属于确认之友的繁荣。尝试获得至少3个朋友赞同和竞标物品。
- Answer questions. If a lender takes an interest in your listing enough to ask a question, they deserve an answer. I answered all the questions asked. Even the question that involved details of my financial life that I am not comfortable sharing. I intentionally left out an income and budget breakdown from my listing.回答问题。如果贷款人需要关心您的物品足够的问一个问题，他们应该得到的答案。我回答所有的问题。即使这个问题涉及的细节我的财务生活，我不舒服分享。我故意离开一个收入和预算细目从我的物品。 I do not recommend this if you are trying for your lowest possible interest rate. But I simply did not feel comfortable sharing that information (perhaps to my interest rate detriment). But even then I answer the question politely decline to answer and stating my reasons.我不建议如果您正在为您尽可能最低的利率。但是，我根本没有感觉很舒服，信息共享（也许我的利息损害） 。但是，即使我回答这个问题礼貌地拒绝回答，说明我的理由。
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