US ONLINE LENDING TREND
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1 谢绝转载, 转载请联系 WSFC US ONLINE LENDING TREND Julia Zhou, CFA, FRM July 13, 2017 Wall Street Fintech Club (WSFC), All Rights Reserved, 公共号 : 华尔街 Fintech 俱乐部, 禁止未授权转载 1
2 AGENDA Categories of Online Lending US online lending landscape Stage 1: P2P Stage 2: from P2P to marketplace lending and why Stage 3: from marketplace lending to online lending and bank partnershp Stage 4: Move to the center of matrix Appendix: marketplace lending in China and UK Wall Street Fintech Club (WSFC), All Rights Reserved, 公共号 : 华尔街 Fintech 俱乐部, 禁止未授权转载 2
3 CATEGORIES OF NON-BANK LENDING Picture from: Marshall Lux and Martin, Chorzempa When Markets Quake: Online Banks and Their Past, Present and Future, April 2017 Wall Street Fintech Club (WSFC), All Rights Reserved, 公共号 : 华尔街 Fintech 俱乐部, 禁止未授权转载 3
4 LANDSCAPE1: TOP US ONLINE LENDING PLAYERS Picture: Peter Renton (Lend Academy) Global Overview of 4 Marketplace Lending at Lendit USA 2017
5 LANDSCAPE2: HIGHLIGHTS IN US ONLINE LENDING IN 2016 Picture: Peter Renton (Lend Academy) Global Overview of 5 Marketplace Lending at Lendit USA 2017
6 STAGE 1: P2P LENDING -STORY PROMISED WHEN IT APPEARED Transforming the banking system by cut off the middle man (Lending Club s prospectus Lower cost of borrowing and better return Serve underbanked Better customer experience References: : Marshall Lux and Martin, Chorzempa When Markets Quake: Online Banks and Their Past, Present and Future, April 2017 Wall Street Fintech Club (WSFC), All Rights Reserved, 公共号 : 华尔街 Fintech 俱乐部, 禁止未授权转载 6
7 STAGE 2: FROM P2P LENDING TO MARKETPLACE LENDING from P2P to peer to investors: 52% of Lending club originations in Q1 were funded by institutional investors Picture from: Lending Club Q presentation Wall Street Fintech Club (WSFC), All Rights Reserved, 公共号 : 华尔街 Fintech 俱乐部, 禁止未授权转载 7
8 STAGE 2: WHAT HAS CHANGED- FROM P2P TO MARKETPLACE LENDING P2P disappeared, changed to Peer to institutional investor Lower investor return not proven business model (unprofitable, lending club, Proper, OnDeck) not proven credit model Securizitation Types of current online lending platforms Pure connectors Pure balance sheet lending Hybrid/mix Wall Street Fintech Club (WSFC), All Rights Reserved, 公共号 : 华尔街 Fintech 俱乐部, 禁止未授权转载 8
9 STAGE 2: WHY - ADVANTAGES OF P2P LENDING Lower cost of operations Regulatory arbitrage Credit scoring arbitrage (Fair Credit Reporting Act and Equal Credit Opportunity Act, not through the circle. Miniscule portfolio) Tap into underbanked Better customer experience (sometimes) No maturity transformation (maturity mismatch) (this leads to less regulations) Synergy in the e-commerce/social network ecosystem and platform (some) Wall Street Fintech Club (WSFC), All Rights Reserved, 公共号 : 华尔街 Fintech 俱乐部, 禁止未授权转载 9
10 STAGE 2: WHY - DISADVANTAGES OF P2P LENDING Higher cost of funding compared to banks Higher risk Unproved credit model Higher acquisition cost Lack of diversification of business Rising interest rate Competition from traditional banks (In the future, obtaining funds from traditional lenders may end up looking a lot lke borrowing from lending club and prosper) Wall Street Fintech Club (WSFC), All Rights Reserved, 公共号 : 华尔街 Fintech 俱乐部, 禁止未授权转载 10
11 STAGE 2: LOWER RETURN AND HIGHER DEFAULT RATE : Increasingly less competitive APRs Higher default rate MARKETPLACE LENDING US TREND (CONTINUED) AXP Internal 11 Picture: Kennth Lin (Credit Karma) Personal Loans: The Keys to Success in a Competitive Market at Lendit USA 2017
12 STAGE 2: SLOWER GROWTH Picture: Kennth Lin (Credit Karma) Personal Loans: The Keys to Success in a 12 Competitive Market at Lendit USA 2017
13 STAGE 3: ONLINE LENDING AND PARTNERSHIP WITH BANKS Traditional banks offer online loans: Goldman Sachs: Marcus, American Express: NextsStep, working capital loans, capital one, discover, etc. Fintech companies work with banks (Borrowe-Underwriter-Lender): Bank-Fintech-Bank (BFB): JP Morgan & OnDeck, Santander & Kabbage, and Regions Bank & Avant. Fintech-Fintech-Bank (FFB): Lending Club partnerships with Union Bank and the BancAlliance Bank-Fintech-Fintech (BFF): Regions Bank & Fundation, Radius Bank & Prosper. Reference: Jason Jones, 2017 Will Be A Huge Year For Bank Partnerships, Lend academy, November 14, 2016, accessed November 20, 2016 Wall Street Fintech Club (WSFC), All Rights Reserved, 公共号 : 华尔街 Fintech 俱乐部, 禁止未授权转载 13
14 STAGE 4: MOVE TO THE CENTER (FUTURE) 14 Picture: Nigel Morris (QED Investors) Journey to the Center of the Matrix at Lendit USA 2017
15 STAGE 4: MOVE TO THE CENTER (FUTURE) 15 Picture: Nigel Morris (QED Investors) Journey to the Center of the Matrix at Lendit USA 2017
16 STAGE 4: MOVE TO THE CENTER (FUTURE) Where is AXP? 16 Picture: Nigel Morris (QED Investors) Journey to the Center of the Matrix at Lendit USA 2017
17 APPENDIX: MARKETPLACE LENDING IN UK VS CHINA IN Picture: Peter Renton (Lend Academy) Global Overview of Marketplace Lending at Lendit USA 2017
18 THANK YOU 18
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