双语新闻：互联网金融吹响颠覆小企业贷款的市场号角

2014-06-24 11:43:24来源：可可英语

　　There are the online balance sheet lenders – like OnDeck Capital and Kabbage – that typically offer short-term loans of less than nine months. The capital they provide is similar to a cash advance, with a fixed amount or percent of sales deduction each day from the borrower’s bank account.

　　市场上有像OnDeck Capital和Kabbage这样的网上资产负债表贷款机构，它们通常提供9个月以下的短期贷款。它们提供的资本类似于现金垫付，同时收取固定金额或每天从借款人账户的销售额中抽取固定的比例。

　　Companies like Lending Club, Prosper, Funding Circle and Fundation are using a peer-to-peer model. Backed by individual investors, these companies make loan decisions based on proprietary credit models, typically offering loans of up to $250,000 for longer terms at between 8% to 24%. These loans are collateralized through personal guarantees or business assets.

　　Lending Club、Prosper、Funding Circle和Fundation这类公司则使用对等模式。在个人投资者的支持下，这些公司基于私有信用模式做出贷款决定，通常提供期限更长一点，至多25万美元的贷款，利率在8%至24%。这些贷款通过个人担保或企业资产抵押。

　　Perhaps the most interesting model is one in which companies like Lendio and Fundera are simply creating their own marketplaces where small businesses can shop and compare loan products from online lenders and conventional banks. In doing so, they’re mitigating one of the biggest problems borrowers and lenders face – search costs.

　　或许最有意思的一种模式是，像Lendio和Fundera这样的公司建立起它们自己的市场。小企业可以在这里实现购买，同时将网上贷款机构与传统银行提供的贷款产品进行对比。通过这种做法，它们降低了借款人和贷款机构面临的最大难题——搜寻成本。

　　It’s important to note that these lenders still only account for a small portion of the market – less than $10 billion in a more than $600 billion small business lending market. But they are driving fundamental change, making the typical small business loan – one of less than $250,000 – more profitable for lenders by leveraging technology to drive efficiency.

　　值得指出的重要一点是，这些贷款机构仅占市场的很小的一部分——在超过6,000亿美元的小企业贷款市场中还不到100亿美元。但它们正在推动根本性的变革，借助科技提升效率，使得贷款机构从那些通常低于25万美元的小企业贷款中也可以赚到利润。

　　We are also seeing small business owners willing to get capital through these new platforms, even though it’s often more expensive, because they value the convenience. Many of these new platforms are making approvals online and via mobile applications in as fast as 24 hours for some lower dollar loans, compared to a traditional process that takes several weeks and requires stacks of paperwork.

　　我们也看到小企业主愿意通过这些新平台获得资本，尽管这么做通常价格更贵，因为它们把易操作性也计入了价值。其中很多新平台通过网络或移动应用进行审批，对于一些低额贷款，最快可以在24小时内就迅速完成审批。相比之下，传统流程需要几周的时间，同时还要求提供大量文件。

本文关键字: 互联网金融吹响颠覆小企业贷款的市场号角