{"id":38784,"date":"2016-12-12T14:54:15","date_gmt":"2016-12-12T22:54:15","guid":{"rendered":"https:\/\/blog.btrax.com\/jp\/?p=38784"},"modified":"2020-08-09T09:59:02","modified_gmt":"2020-08-09T00:59:02","slug":"lending","status":"publish","type":"post","link":"https:\/\/blog.btrax.com\/jp\/lending\/","title":{"rendered":"\u8cc7\u7523\u904b\u7528\u306e\u3042\u305f\u3089\u3057\u3044\u5f62 -\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u3068\u306f"},"content":{"rendered":"

\u6570\u591a\u304f\u3042\u308b\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u7cfb\u30b5\u30fc\u30d3\u30b9<\/a>\u306e\u4e2d\u3067\u3082\u6700\u3082\u30e6\u30fc\u30b6\u30fc\u306b\u8fd1\u3044\u30b5\u30fc\u30d3\u30b9\u306e\u4e00\u3064\u3068\u3057\u3066\u6ce8\u76ee\u3055\u308c\u3066\u3044\u308b\u306e\u304c\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u7cfb\u306e\u30b5\u30fc\u30d3\u30b9\u306b\u306a\u308a\u307e\u3059\u3002\u30e6\u30fc\u30b6\u30fc\u540c\u58eb\u304c\u304a\u91d1\u3092\u8cb8\u3057\u501f\u308a\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u306b\u306a\u308c\u3070\u3001\u3053\u308c\u307e\u3067\u306e\u69d8\u306b\u91d1\u878d\u6a5f\u95a2\u306b\u983c\u308b\u3053\u3068\u306a\u304f\u3001\u304a\u91d1\u306e\u904b\u7528\u3084\u8cc7\u91d1\u8abf\u9054\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002\u4eca\u56de\u306f\u6210\u9577\u8457\u3057\u3044\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u306e\u6ce8\u76ee\u4f01\u696d\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n

\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u3068\u306f<\/h2>\n

\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u3068\u306f\u304a\u91d1\u3092\u501f\u308a\u305f\u3044\u4eba\u3068\u904b\u7528\u3057\u305f\u3044\u4eba\u3092\u30de\u30c3\u30c1\u30f3\u30b0\u3059\u308b\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0<\/strong>\u3092\u5c55\u958b\u3059\u308b\u30d3\u30b8\u30cd\u30b9\u3067\u3059\u3002Peer to peer Lending\u3068\u3082\u547c\u3070\u308c\u308b\u3053\u3068\u3082\u591a\u3044\u3067\u3059\u3002<\/p>\n

\u9280\u884c\u3084\u6d88\u8cbb\u8005\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u3088\u3046\u306b\u5e97\u8217\u3092\u6301\u305f\u306a\u3044\u305f\u3081\u3001\u501f\u308a\u624b\u5074\u306b\u3068\u3063\u3066\u306f\u5b89\u3044\u91d1\u5229\u3067\u878d\u8cc7\u3092\u53d7\u3051\u3089\u308c\u3001\u8cb8\u3057\u624b\u5074\u306b\u3068\u3063\u3066\u306f\u9ad8\u3044\u5229\u606f\uff085%\uff5e30%\u4ee5\u4e0a\uff09\u3067\u904b\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u4ef2\u4ecb\u624b\u6570\u6599\u306f\u6982\u306d1%~5%\u3068\u4f4e\u984d\u306b\u6291\u3048\u3089\u308c\u3066\u304a\u308a\u3001\u3053\u308c\u307e\u3067\u9280\u884c\u304c\u5bfe\u5fdc\u3067\u304d\u306a\u304b\u3063\u305for\u9ad8\u3044\u91d1\u5229\u3067\u3057\u304b\u501f\u308a\u3089\u308c\u306a\u304b\u3063\u305f\u500b\u4eba\u3084\u4e2d\u5c0f\u4f01\u696d\u306e\u30cb\u30fc\u30ba\u306b\u3053\u305f\u3048\u308b\u3053\u3068\u3067\u91d1\u878d\u696d\u754c\u306b\u9769\u547d\u3092\u8d77\u3053\u305d\u3046\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

https:\/\/blog.btrax.com\/jp\/fintech-2016\/<\/p>\n

\u5e02\u5834\u306f\u62e1\u5927\u50be\u5411\u30672020\u5e74\u307e\u3067\u5e74\u738753.06\uff05\u3067\u6210\u9577\u3059\u308b\u3068\u4e88\u60f3\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/strong>\u6210\u9577\u3059\u308b\u4e00\u65b9\u3067\u30013\u756a\u624b\u306eCircleBack Lending\u304c\u65b0\u898f\u878d\u8cc7\u3092\u30b9\u30c8\u30c3\u30d7\u3059\u308b\u5831\u9053\u304c\u3067\u308b\u306a\u3069\u7af6\u4e89\u3082\u6fc0\u3057\u304f\u306a\u3063\u3066\u304d\u3066\u3044\u307e\u3059\u3002<\/p>\n

1. Lending Club<\/a><\/h2>\n

\"lendingclub-review\"<\/a><\/p>\n

2006\u5e74\u5275\u696d\u30012014\u5e74IPO\u3002CEO\u306fRenaud Laplanche\u3002\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u306e\u6700\u5927\u624b\u3002\u9280\u884c\u304c\u878d\u8cc7\u3092\u884c\u308f\u306a\u3044\u5c64\u306b\u5bfe\u3057\u3066\u304a\u91d1\u3092\u501f\u308a\u3084\u3059\u304f\u3059\u308b\u305f\u3081\u306b\u4f5c\u3089\u308c\u307e\u3057\u305f\u3002\u3053\u308c\u307e\u3067100\u4e07\u4eba\u4ee5\u4e0a\u304c\u5229\u7528\u3001\u30ed\u30fc\u30f3\u7dcf\u984d\u306f160\u5104\u30c9\u30eb\u4ee5\u4e0a\u3002\u501f\u308a\u624b\u309225\u306e\u30b0\u30ec\u30fc\u30c9\u30b7\u30b9\u30c6\u30e0\u3067\u683c\u4ed8\u3051\u3057\u3066\u304a\u308a\u3001\u30b0\u30ec\u30fc\u30c9\u306b\u3088\u3063\u3066\u91d1\u5229\u304c\u8a2d\u5b9a\u3055\u308c\u307e\u3059\u3002\u696d\u754c\u306e\u7b2c\u4e00\u4eba\u8005\u306e\u5730\u4f4d\u3092\u7372\u5f97\u3057\u3066\u304a\u308a\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u3068\u3044\u3048\u3070\u3001Lending Club\u3068\u547c\u3070\u308c\u308b\u307e\u3067\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

2. CircleBack Lending<\/a><\/h2>\n

\"circleback-feature-1\"<\/a><\/p>\n

2012\u5e74\u5275\u696d\u3001Series A\u3001CEO\u306fMichael Solomon\u3002Lendingclub, Prosper\u306b\u7d9a\u304f3\u756a\u76ee\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3068\u3057\u3066\u8a95\u751f\u3002\u501f\u308a\u624b\u3092\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u304c680\u4ee5\u4e0a\u306ePrime, Superprice\u306b\u7d5e\u3063\u3066\u3044\u308b\u304b\u3064\u624b\u6570\u6599\u3092\u4f4e\u304f\u8a2d\u5b9a\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u7279\u5fb4\u3067\u3059\u3002\u9806\u8abf\u306b\u6210\u9577\u3057\u3066\u3044\u307e\u3057\u305f\u304c\u30012015\u5e74\u306b\u591a\u304f\u306e\u640d\u5931\u304c\u51fa\u305f\u3053\u3068\u304c\u660e\u3089\u304b\u306b\u306a\u308a\u3001\u65b0\u898f\u878d\u8cc7\u3092\u73fe\u5728\u30b9\u30c8\u30c3\u30d7\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u660e\u3089\u304b\u306b\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n

3. Prosper<\/a><\/h2>\n

\"prosper-loans-feature\"<\/a><\/p>\n

2005\u5e74\u5275\u696d\u3001CEO\u306fAaron Vermut\u3002US\u521d\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u3092\u958b\u59cb\u3057\u305f\u4f1a\u793e\u3067\u3059\u3002Lending Club\u306b\u7d9a\u304f\u696d\u754c\u7b2c\u4e8c\u4f4d\u3067\u3042\u308a\u3001220\u4e07\u4eba\u306e\u5229\u7528\u8005\u300170\u5104\u30c9\u30eb\u306e\u30ed\u30fc\u30f3\u5b9f\u7e3e\u304c\u3042\u308a\u307e\u3059\u30022016\u5e7411\u6708\u306b\u6b21\u671fCEO\u3068\u3057\u3066CFO\u3067\u3042\u3063\u305fDvid Kimball\u304c\u5c31\u4efb\u3059\u308b\u3053\u3068\u304c\u767a\u8868\u3055\u308c\u307e\u3057\u305f\u3002<\/p>\n

4. Upstart<\/a><\/h2>\n

\"Upstart\"<\/p>\n

2012\u5e74\u5275\u696d\u3001Series C. CEO\u306f\u5143Google\u306eDave Girouard\u3002Salesforce\u306eMarc Benioff, Google\u306eEric Schmidt\u304c\u51fa\u8cc7\u3057\u3066\u8a71\u984c\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u5b66\u751f\u306e\u6311\u6226\u3092\u5f8c\u62bc\u3057\u3059\u308b\u3053\u3068\u3092\u76ee\u6307\u3057\u3001\u4fe1\u7528\u5ea6\u304c\u4f4e\u3044\u5b66\u751f\u5411\u3051\u306b\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3060\u3051\u3067\u306f\u306a\u304f\u3001\u5c06\u6765\u306e\u53ce\u5165\u3092\u51fa\u8cc7\u8005\u3068\u30b7\u30a7\u30a2\u3059\u308b\u3053\u3068\u3067\u30ed\u30fc\u30f3\u3092\u30aa\u30d5\u30a1\u30fc\u3059\u308b\u3053\u3068\u3092\u5b9f\u73fe\u3057\u3066\u3044\u307e\u3059\u30022016\u5e7411\u6708\u73fe\u57285000\u4e07\u30c9\u30eb\u4ee5\u4e0a\u306e\u30ed\u30fc\u30f3\u3092\u5b9f\u73fe\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u5b9f\u969b\u306bLending Club\u3092\u4f7f\u3063\u3066\u307f\u307e\u3057\u305f<\/h2>\n

Lending Club\u306e\u6295\u8cc7\u53e3\u5ea7\u3092\u4f5c\u3063\u3066\u307f\u307e\u3057\u305f\u3002\u501f\u308a\u624b\u306fA\u304b\u3089G\u307e\u3067\u306b\u30e9\u30f3\u30af\u4ed8\u3051\u3055\u308c\u3066\u304a\u308a\u3001A\u3060\u3068\u5229\u606f5.32\uff05\u3067\u6700\u4e0b\u4f4d\u306eG\u306f30.94%\u3002A\u30e9\u30f3\u30af\u3067\u3082\u5229\u606f\u306f5.32\uff05\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u9280\u884c\u306b\u9810\u3051\u308b\u3088\u308a\u591a\u304f\u306e\u5229\u606f\u3092\u53d7\u3051\u53d6\u308c\u308b<\/strong>\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3059\u3002\u9298\u67c4\u9078\u629e\u3082\u975e\u5e38\u306b\u7c21\u5358\u3067\u3001Automated Investing\u3068Manual Investing\u306e\u4e8c\u3064\u304b\u3089\u9078\u629e\u3067\u304d\u307e\u3059\u3002<\/p>\n

Automated Investing\u3067\u306f\u3001A&B Weighted\uff08A-B\u4e2d\u5fc3\uff09\u3001Platform Mix\uff08B-D\u4e2d\u5fc3\uff09\u3001D-G Weighted\uff08C-E\u4e2d\u5fc3\uff09\u3001Custom Mix\uff08\u81ea\u5206\u3067\u5272\u5408\u3092\u9078\u3076\uff09\u306e4\u3064\u304c\u3042\u308a\u307e\u3059\u3002\u9078\u629e\u3059\u308b\u3068\u305d\u308c\u305e\u308c\u671f\u5f85\u3055\u308c\u308b\u30ea\u30bf\u30fc\u30f3\u304c\u8868\u793a\u3055\u308c\u307e\u3059\u3002\u8cb8\u51fa\u671f\u9593\u306f\u300136\u30f5\u6708\u304b60\u30f5\u6708\u306b\u5206\u304b\u308c\u3066\u304a\u308a\u3001$25\u304b\u3089\u6295\u8cc7\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u3067\u3059\u3002<\/p>\n

\"Lending-Club-Automated-Investing-Tool\"<\/a><\/p>\n

\u3053\u3061\u3089\u306fManual Investing\u3002\u81ea\u5206\u306e\u597d\u304d\u306a\u9298\u67c4\u306b\u6295\u8cc7\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u3067\u3059\u30022016\u5e7411\u670817\u65e5\u73fe\u5728\u3001662\u306e\u30ed\u30fc\u30f3\u304c\u52df\u96c6\u3055\u308c\u3066\u304a\u308a\u3001\u683c\u4ed8\u3051\u3001\u671f\u9593\u3001FICO\uff08\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\uff09\u3001\u5fc5\u8981\u306a\u7dcf\u984d\u3001\u76ee\u7684\u306a\u3069\u3067\u30bd\u30fc\u30c8\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u6bd4\u8f03\u7684\u5c11\u984d\u306e$1400\u3050\u3089\u3044\u3092\u501f\u308a\u305f\u3044\u4eba\u304b\u3089\u3001$40,000\u307e\u3067\u52df\u96c6\u3057\u3066\u3044\u308b\u4eba\u307e\u3067\u3044\u307e\u3059\u3002\u501f\u308a\u305f\u3044\u7406\u7531\u3067\u591a\u3044\u306e\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u652f\u6255\u3044\u3068\u30ed\u30fc\u30f3\u306e\u501f\u308a\u63db\u3048\u3002<\/p>\n

Vacation\u306e\u305f\u3081\u306b$16,000\u52df\u96c6\u3057\u3066\u3044\u308b\u4eba\u3082\u3044\u307e\u3059\u3002 \u4f7f\u3063\u3066\u307f\u305f\u611f\u60f3\u3068\u3057\u3066\u306f\u3001UI\u304c\u6d17\u7df4\u3055\u308c\u3066\u3044\u3066\u3001\u76f4\u611f\u3067\u308f\u304b\u308b\u3082\u306e\u304c\u591a\u3044\u3068\u611f\u3058\u307e\u3057\u305f\u3002<\/strong>\u767b\u9332\u3001\u9280\u884c\u53e3\u5ea7\u9023\u643a\u3001\u6295\u8cc7\u307e\u3067\u975e\u5e38\u306b\u7c21\u5358\u306b\u3067\u304d\u307e\u3059\u3002Lending Club\u3060\u3051\u3067\u306f\u306a\u304f\u3001Prosper\u306a\u3069\u3044\u304f\u3064\u304b\u306e\u4f1a\u793e\u3067\u540c\u69d8\u306e\u904b\u7528\u3092\u884c\u3044\u3001\u671f\u5f85\u3055\u308c\u308b\u5229\u606f\u3068\u5b9f\u969b\u306e\u4e56\u96e2\u3001\u8cb8\u3057\u5012\u308c\u306e\u983b\u5ea6\u306a\u3069\u3092\u3053\u306e\u5834\u3067\u5831\u544a\u3057\u3066\u3044\u304d\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

\"Lending_Club_Browse_Notes-1024x548\"<\/a><\/p>\n

\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3068\u306f<\/h2>\n

\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3068\u306f\u3001\u500b\u4eba\u306e\u4f7f\u7528\u5ea6\u306e\u30b9\u30b3\u30a2\u306b\u306a\u308a\u307e\u3059\u3002\u50b5\u52d9\u306e\u72b6\u6cc1\u3001\u8fd4\u6e08\u72b6\u6cc1\u304b\u3089\u70b9\u6570\u4ed8\u3051\u3092\u3055\u308c\u3066\u500b\u4eba\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u304c\u3064\u3051\u3089\u308c\u307e\u3059\u3002\u6700\u4f4e300\u70b9\u304b\u3089\u6700\u9ad8900\u70b9\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u307b\u3068\u3093\u3069\u306e\u30a2\u30e1\u30ea\u30ab\u4eba\u306f\u3001600\u70b9\u304b\u3089\uff5e700\u70b9\u306e\u9593\u306b\u306a\u308b\u305d\u3046\u3067\u3059\u3002600\u70b9\u4ee5\u4e0b\u304cSubprime\u3001600\u70b9\uff5e680\u70b9\u304cNonprime\u3001680\u70b9\uff5e740\u70b9\u304cPrime\u3001740\u70b9\u4ee5\u4e0a\u304cSuperPrime\u3068\u306a\u308a\u307e\u3059\u3002\u30ea\u30fc\u30de\u30f3\u30b7\u30e7\u30c3\u30af\u3067\u306f\u3001\u4fe1\u7528\u5ea6\u304c\u4f4e\u3044600\u70b9\u4ee5\u4e0b\u306eSubprime\u5411\u3051\u4f4f\u5b85\u30ed\u30fc\u30f3\u304c\u554f\u984c\u306b\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

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