英国网贷平台LendInvest计划2015年上市

【译/谢丹】

LenInvest将成为英国首家进入证券交易所的P2P网贷平台，这也是替代性金融迈向成熟的标志。

号称世界最大抵押借贷平台，LendInvest正计划于明年（注：2015年）在伦敦证券交易所挂牌上市，业务范围扩大至房贷领域。

这将是继Lending Club和OnDeck之后的又一家P2P平台上市，也有望成为英国的第一家。Lending Club在首发日股价飙升60%，市值接近90亿美元。

银行也开始谋求与P2P公司展开合作。法兴银行与高盛集团正在商讨一项资助新兴的P2P融资平台Aztec Money的计划。

LendInvest首席执行官Christian Faes讲到，上市将带来认可，知名度提升，也将有助于公司未来在房贷市场的发展。

“我们正在着手准备上市，”他讲到。“我们认为P2P借贷的核心原则之一就是其透明度，因此公司上市是我们的工作方向。”

LendInvest侧重于有短期投资需求的租赁房投资者。线上平台能迅速实现这一点，但高街银行则费事更久，成本更高。

去年在没有风投和外部资金支持的情况下，LendInvest产生了约250万的税前利润，并通过留存收益实现了有机增长。

他补充道，“如果时机恰当，房贷是我们下一步开展的领域。”

评论：作为英国发展最快的平台之一，LendInvest一旦上市，将成为英国网贷行业第一家实现上市的P2P借贷平台，无疑将开启英国P2P借贷新篇章。上市为网贷平台带来的影响显而易见，获得大量资本，在以扩张速度为目的的竞争中，无疑将会成为上市公司领跑的重要筹码，同时也便于股权激励和股东获取回报，这对所有P2P平台都是一个不小的诱惑。无论是已经上市的Lending Club，还是即将上市的LendInvest, 他们的上市历程对国内网贷平台有着重要借鉴意义。伴随着国内监管条例的落地，相信我国网贷行业将逐渐规范化，这都有利于加快国内网贷平台的上市步伐。

LendInvest set to debut on London Stock Exchange

By Emma Dunkley, Financial Times

LendInvest is set to become the first peer-to-peer platform in the UK to list on the stock exchange in a sign the alternative finance sector is maturing.

The P2P platform, which claims to be the world’s largest mortgage crowdfunding marketplace, is aiming to float on the London Stock Exchange in the next year and plans on expanding into residential mortgages.

The move comes after two US platforms Lending Club and OnDeck made their debuts on the public markets at the end of last year. Lending Club was valued at nearly $9 billion (Dh33 billion) after shares rocketed 60 per cent on the first day of trading.

Banks are starting to collaborate with the burgeoning P2P sector. Societe Generale and Goldman Sachs are in talks about plans to back Aztec Money, a new peer-to-peer financing platform where people can bid for company invoices.

Christian Faes, chief executive of LendInvest, said listing will provide a seal of approval, raise awareness and help fuel the platform’s next growth phase into the residential mortgage market.

“We are going through the process of getting LendInvest ready for a public market listing,” he said. “We feel that one of the core principles of peer-to-peer lending is transparency, and so operating as a public company is something that we are working towards.”

LendInvest focuses on buy-to-let investors in need of short-term finance. The online platform is able to deliver this quickly, whereas high street banks take much longer and often find it uneconomical to make such loans.

The platform generated about ￡2.5 million in profit before tax last year, and has grown organically by retaining earnings, without the backing of venture capital or external funding.

“In due course, residential lending is where we want to expand,” he added.

(文章为作者独立观点，不代表网贷天眼官方立场,转载请注明作者及出处。)