????我希望你能看到過去幾個(gè)月我們所做的改變帶來的好處。去年夏天，投資者的投資欲望增長速度超出了我們的預(yù)期，所以我們提供的資金過多，被迫進(jìn)行了一定的調(diào)整。尤其是，我們對(duì)大型機(jī)構(gòu)投資者設(shè)定了購買限制，確保不會(huì)出現(xiàn)機(jī)構(gòu)投資者比例失衡。目前，平衡狀況有很大改善。

????關(guān)于你的貸款平臺(tái)，你從一開始就將重點(diǎn)集中在擁有良好信用記錄的貸款人身上。未來，你是否計(jì)劃放寬對(duì)貸款人的限制？

????不會(huì)，我想我們的計(jì)劃是繼續(xù)專注于主流消費(fèi)者。未來我們將擴(kuò)大那種讓雙方都希望長期合作的貸款用戶。我們計(jì)劃在未來推出低息貸款。目前，我們的起始利率是6.78%?，F(xiàn)在，我們的一些投資人已經(jīng)真正了解了這個(gè)平臺(tái)的潛力，我們相信在未來貸款利率有望降到5.9%。我們會(huì)推出更適合信用分?jǐn)?shù)750或800的產(chǎn)品。未來隨著目標(biāo)市場(chǎng)擴(kuò)大，我們可能還會(huì)推出部分準(zhǔn)優(yōu)級(jí)貸款。

????你們不打算進(jìn)入次級(jí)貸款市場(chǎng)，對(duì)吧？

????不。

????有報(bào)道稱，Lending Club將在2014年上市。是真的嗎？

????仍然存在可能性。今年上市的概率非常高。

????您還有其他要說的嗎？

????有一件比較新鮮的事，是銀行成為機(jī)構(gòu)貸款人的一部分。其中一類機(jī)構(gòu)貸款人實(shí)際上是在平臺(tái)上投資越來越多的銀行。從Lending Club的角度來看，這很有意義。Lending Club建立了低成本市場(chǎng)，并用低成本市場(chǎng)取代傳統(tǒng)銀行系統(tǒng)。另一方面，銀行的資本成本非常低。如果將銀行的低資本成本和Lending Club的低成本與優(yōu)質(zhì)服務(wù)組合起來，讓銀行交出客戶關(guān)系，成為平臺(tái)的投資者，這是改革銀行系統(tǒng)的一條很好的途徑。同時(shí)，與進(jìn)行這種改革的銀行進(jìn)行結(jié)盟也是一件好事。（財(cái)富中文網(wǎng)）

????譯者：劉進(jìn)龍/汪皓

????I am hoping you've seen the benefits of the changes we have made in the last few months. I think we had gotten into a time last summer when the appetite of investors increased faster than we had anticipated, and so we had too much of a supply of capital. We had to recalibrate a little bit. In particular, we put some purchase limitations in place for the large institutional investors to make sure we don't get a disproportionate share of institutional investors. Now we have a much better balance.

????One thing that has been true about your platform from the beginning is that you have focused on borrowers who have a strong credit history. Do you have any plans to broaden that in the future?

????No, I think the plan is to continue to stay a mainstream consumer play. We'll expand the population for which our loans are attractive over time on both sides. We want to start offering lower interest rate loans over time. Today we start at 6.78%. We think with some of our investors now who really understand the predictability of the platform, there'd be more interest for a loan grade at a 5.9%. We'd have a product that works better for a 750 or an 800 FICO score. And we'll probably expand a little bit in the near-prime category with people who will be in our target market in the future.

????You're not looking to expand into the subprime market?

????No.

????It's been reported that LendingClub will look to go public in 2014. Is that likely?

????That's still a possibility. There's a pretty high likelihood.

????Anything else?

????One thing that's fairly new is the involvement of banks as part of the institutional lenders. One category of institutional lenders is really the banks that are investing more and more on the platforms. It makes a lot of sense from the standpoint of Lending Club establishing a low-cost marketplace and replacing the traditional banking system with the low cost market place. On the flip side, the banks have a pretty low cost of capital. When you put together the low cost of capital of the banks and the low cost and great service of Lending Club, having banks relinquish the customer relationships and becoming investors on the platform is a good way to transform the banking system but associate the banks with that transformation is good.