11月普罗斯珀市场调查|点对点贷款,点对点的贷款,人民对人民贷款|点对点贷款新闻,资讯,借贷策略

Prosper released the November marketplace survey and coresponding comentary from Chris Larsen…普罗斯珀11月公布的市场调查和coresponding comentary从长拉森…

I particularly like the insight in the last paragraph…我特别喜欢的洞察力最后一段…

Here is the entire press release from Prosper…这里是整个新闻稿普罗斯珀…

People-to-People Lending: Strong Demand for Prime & Near Prime Loans人民贷款:需求强劲总理与近总理贷款

SAN FRANCISCO–(BUSINESS WIRE)–Prosper.com旧金山(公司) Prosper.com( ( www.prosper.com ), America ’ s largest people-to-people lending marketplace, today released its October People-to-People Lending Market Survey. ) ,美国最大的人民贷款市场,今天公布其10月份的人民贷款市场调查。In this month’s market commentary, Prosper Chief Executive Officer and co-founder, Chris Larsen, discusses the impact the dynamics of the broader credit markets and Fed rate cuts are having on the Prosper marketplace.Prosper ’ s People-to-People Lending Market Survey is released on the second Tuesday of every month.在这一个月的市场评论,普罗斯珀首席执行官和创始人之一,克里斯拉森,讨论了影响的动态更广泛的信贷市场和美联储降息有关于普罗斯珀marketplace.Prosper 的人民贷款市场调查公布的第二个星期二每个月。To register to automatically receive the survey, send an email with “SUBSCRIBE” in the subject line to:要注册自动接收调查结果显示,发送电子邮件与“订阅”的主题为: p2plendingmarketsurvey@prosper.com . 。

October 2007 Prosper People-to-People Lending Market Survey2007年10月普罗斯珀人民贷款市场调查

Membership and Loan Volume Statistics成员和贷款量统计

October10月
20072007年

October10月
20062006年

20072007年
Year-to-Date今年迄今为止

20062006年
Year-to-Date今年迄今为止

Since自从
Inception成立

New Members新会员国35,275 3527520,552 20552334,824 334824100,232 100232472,591 472591Funded Loans资助贷款

$6.4 million 640万美元

$3.8 million 380万美元$68.4 million六千八百四十点○○万美元$20.5 million 2050万美元$96.9 million九千六百九十○点零万美元Average Loan Size平均贷款规模$6,871六千八百七十一美元$5,107五千一百零七美元$6,975六九七五美元$4,808四千八百零八美元$6,141六千一百四十一美元Daily Average Number of Borrower Listings每日平均人数借款人名单2,516 25161,737 17372,245 2245 877 1,454 1454

Estimated Annual Return on Prosper Select Index估计每年的回报繁荣,选择指数

October 20072007年10月Prosper Select Index普罗斯珀选择指数9.28%9.28 %Prime Select Index总理选择指数9.09% 9.09 %Near Prime Select Index近总理选择指数9.35% 9.35 %Sub Prime Select Index小组总理选择指数10.45% 10.45 %

Average Borrower Rates on Prosper Select Loans平均借款利率贷款繁荣的选择

October10月
20072007年

September9月
20072007年

October10月
20062006年

20072007年
Year-to-Date今年迄今为止

20062006年
Year-to-Date今年迄今为止

Since自从
Inception成立

Prime Select Loans总理选择贷款9.50% 9.50 %9.98% 9.98 %10.93% 10.93 %9.97% 9.97 %10.68% 10.68 %10.09% 10.09 %Near Prime Select Loans近总理选择贷款16.79% 16.79 %15.83% 15.83 %16.45% 16.45 %16.02% 16.02 %16.21% 16.21 %16.12% 16.12 %Sub Prime Select Loans小组总理选择贷款19.63% 19.63 %24.86% 24.86 %24.44% 24.44 %23.22% 23.22 %25.01% 25.01 %23.79% 23.79 %

Mix of Funded Borrowers组合贷款资助

October10月
20072007年

October10月
20062006年

20072007年
Year-to-Date今年迄今为止

20062006年
Year-to-Date今年迄今为止

Since自从
Inception成立

Prime总理37% 37 %22% 22 %30% 30 %25% 25 %29% 29 %Near Prime近总理56% 56 %50% 50 %57% 57 %50% 50 %55% 55 %Sub Prime小组总理7% 7 %28% 28 %13% 13 %25% 25 %16% 16 %

Noteworthy值得注意的

Top Lender States顶端贷款国

1) California 1 )美国加州2) Texas 2 )德州3) New York 3 )纽约4) Florida 4 )佛罗里达州5) Illinois 5 )伊利诺伊

Market Commentary by Chris Larsen, Co-Founder and Chief Executive Officer of Prosper市场评论由克里斯拉森共同创始人和首席执行干事普罗斯珀

In last week’s Wall Street Journal article “Interest Rates Defy Rate Cuts,” James Bianco, president of Bianco Research LLC, a market-research firm in Chicago said, “Even though the Fed has eased three-quarters of a percentage point since September, the market has only gotten between 0.25% and 0.50% of that easing.在上周华尔街日报的文章“利率藐视降息, ”詹姆斯比安科,总裁比安科研究有限责任公司,市场研究公司在芝加哥表示, “即使美联储已经缓和的四分之三个百分点,自9月,市场之间只得到0.25 %和0.50 %的缓和。If you look at it from a saver’s and borrower’s side, it shows you that the market is still not functioning properly.”如果你看看它从一个程序和借款人的一方,它表明你,市场仍不能正常运行。 “

Although borrower rates and lender rates of return on Prosper are not formally tied to moves by the Fed, the dynamics of the broader credit markets, which have led to a string of rate cuts, clearly seem to be having an impact on the Prosper marketplace.虽然借款利率和贷款利率的回报普罗斯珀没有正式挂钩举措美联储的动态更广泛的信贷市场,导致一连串的降息,显然似乎是具有影响力的繁荣市场。For example, in October average borrower rates for all Prosper prime loans and Prosper Prime Select loans were 12.27% and 9.50%, respectively; down 0.39% and 0.65%, respectively, since the Fed rate cuts.例如,在10月的平均借款利率为所有普罗斯珀总理贷款和繁荣总理选择贷款12.27 %和9.50 % ,分别下跌0.39 %和0.65 % ,分别,因为美联储降息。

Also consistent with broader market conditions is the seizing up of Prosper lenders’ appetite for subprime borrowers.也符合更广泛的市场条件是抓住了普罗斯珀放款人的胃口优抵押贷款借款者。While Prosper continues to remain on a rapid growth trajectory as indicated by year-to-date funded loan volume, which is up $48 million or 233% compared to year-to-date loan volume at this time last year, the percentage of loans going to subprime borrowers continues to decline.虽然普罗斯珀继续保持快速增长的轨迹表明了今年迄今为止的贷款资金量,这是4800万美元或233 %相比,今年迄今为止的贷款量在去年这个时候的贷款的百分比以优抵押贷款借款继续下降。In October a mere 7% of loans funded on Prosper went to subprime borrowers. 10月,仅7 %的贷款资金普罗斯珀去优抵押贷款借款者。This is in stark contrast to last October when 28% of funded loans went to subprime borrowers.这是鲜明的对比去年10月时28 %的贷款资金到优抵押贷款借款者。The rapid decline in subprime loans is indicative of a veritable subprime credit crunch in the Prosper marketplace.迅速下降,次级抵押贷款是表明了一个名副其实的次级信贷紧缩的繁荣市场。

The good news is that lenders on Prosper are wisely being cautious given the widespread meltdown of subprime mortgage loans.好消息是,银行对普罗斯珀是谨慎明智地考虑到普遍崩溃的抵押贷款。The bad news is that some subprime borrowers, such as young members of the American military who have not had an opportunity to build up a credit history or are caught in坏消息是,一些次优抵押贷款借款,如年轻的成员,美国军方谁也没有机会建立一个信用历史或正在陷入payday loan发薪贷款circles, may not be receiving a worthy chance of funding.圈子,可能不会接受一个有价值的机会提供资金。Perhaps demand for these types of subprime loans will increase as a result of raising the rate cap on Prosper from 29% to 36%.也许要求这些类型的次优抵押贷款将会增加,由于提高利率上限的普罗斯珀从29 %至36 % 。

While Prosper lenders are shying away from subprime, there is ongoing strong demand for the ever increasing number of prime and near prime borrowers coming to Prosper to consolidate their credit card debt at lower rates and to fund or expand their small business endeavors.虽然普罗斯珀放款人回避优,有强劲的需求不断为越来越多的总理和总理的借款人近未来的繁荣,巩固其信用卡债务在低利率和基金或扩大其小型企业的努力。For example, in October 37% of loans funded on Prosper went to prime borrowers, compared to 30% in September 2007 and 22% in October 2006.例如,在10月37 %的贷款资金普罗斯珀前往总理借款人,而30 %在2007年9月和22 % , 2006年10月。

Of great interest is the anecdotal evidence of prime and near prime borrowers turning to Prosper for loans that would have historically been steered toward mortgage, auto, and home equity lenders.非常令人感兴趣的是传闻证据的总理和总理附近转向借款人的贷款普罗斯珀将在历史上一直指导对抵押贷款,汽车和房屋净值贷款。It will be very interesting to watch whether the wake of the liquidity crisis in the broader credit markets results in a definitive trend toward Prosper becoming an alternative source for financing down-payments on homes and cars, funding home remodeling projects, and finding relief from high-interest adjustable rate mortgages (ARM’s).这将是非常有趣的是观看后的流动性危机在更广泛的信贷市场的结果最终趋向繁荣成为一个替代来源资助下支付的住房和汽车,家庭重塑资金项目,并寻求救济从高利息浮动利率( ARM的) 。Equally of interest is whether Prosper lenders will desire to help their fellow Americans by funding these types of loans.同样感兴趣的是,是否普罗斯珀放款人将希望帮助他们的美国同胞的资助这些类型的贷款。

Definitions定义

2007 Year-to-Date: January 1, 2007 through October 31, 2007.2007年年初日期: 2007年1月1日至10月31 , 2007 。

2006 Year-to-Date: January 1, 2006 through October 31, 2006.2006年年初日期: 2006年1月1通过2006十月31 。

Since Inception: November 1, 2005 through October 31, 2007.自成立以来: 2000年1月 , 2005至07年10月31日。Prosper’s by invitation only “friends and family” launch began on November 1, 2005 and Prosper launched to the general public on February 13, 2006.繁荣的唯一受到邀请的“朋友和家人”发射开始于11月1日, 2005年和普罗斯珀发起向公众在2月13日, 2006年。

Prosper Select Index: The Prosper Select Index return is the estimated average annual return on invested principal, based on actual delinquency performance to date.普罗斯珀选择指数:该指数普罗斯珀选择返回的估计平均每年投资回报率主要根据实际拖欠业绩的日期。The Prosper Select Index includes AA – E credit grade loans for borrowers whose credit reports at the time of application indicated zero current delinquencies, three or fewer credit inquiries, and a debt-to-income ratio of 40 percent or less.普罗斯珀选择的指数包括机管局-电子信用等级贷款的借款人的信用报告在提出申请时表明当前的违约率为零,等于或少于三个信用调查,债务对收入比率百分之四十或更少。The annual return period reflects loans originated in the twelve month period ending one month prior to the observation date of October 31, 2007.每年的回报期反映贷款起源于十二个月内结束之前一个月的观测日期10 31 , 2007 。Prime Select includes AA and A credit grade loans (credit scores of 720+).总理选择包括机管局和A级信用贷款(信用分数是720 + ) 。Near Prime Select includes B, C, D credit grade loans (credit scores between 600 and 719).近总理选择包括乙,丙,丁级信用贷款(信用分数600至719页) 。Sub Prime Select includes E credit grade loans (credit scores between 560 and 599).小组总理选择包括é信用等级贷款(信用分数之间的560和599 ) 。

Average Borrower Rates: Average Borrower Rates are the weighted average borrower rates on Prosper Select Index loans.平均借款利率:借款人平均房价的加权平均借款利率普罗斯珀选择指数的贷款。Rates shown are interest rates, not annual percentage rates.房价显示的利率,而不是年度百分比率。

Mix of Funded Borrowers : Prime includes AA and A credit grade loans (credit scores of 720+).混合资助借款人 :总理包括机管局和A级信用贷款(信用分数是720 + ) 。Near Prime includes B, C, D credit grade loans (credit scores between 600 and 719).近总理包括乙,丙,丁级信用贷款(信用分数600至719页) 。Sub Prime includes E and HR credit grade loans (credit scores below 600).小组总理包括E和人力资源信用等级贷款(信用分数低于600 ) 。

About Prosper关于普罗斯珀

Prosper (普罗斯珀( www.prosper.com ), America’s largest people-to-people lending marketplace, was created to make consumer lending more financially and socially rewarding for everyone. ) ,美国最大的人民贷款市场的设立是为了使更多的消费者贷款财政和社会奖励的每一个人。Prosper’s membership consists of over 480,000 people from across the country.繁荣的成员包括超过480000人来自全国各地的。Since launching in February 2006, over $98 million in loans have been funded in the marketplace.他表示,自2006年2月,超过9800万美元的贷款资金已在市场上。

The way Prosper works is intuitive to people who have used eBay.繁荣的道路工程是直观的人谁使用了易趣。Instead of listing and bidding on items, people list and bid on loans using Prosper’s online auction platform.相反上市和投标的项目,人名单和收购贷款使用普罗斯珀的在线拍卖平台。People who want to borrow on Prosper create loan listings for up to $25,000 and set the maximum rate they are willing to pay a lender.人们谁想要借用的繁荣创造物品的贷款高达$ 25000 ,并设置最高税率他们愿意支付贷款。People who register as Prosper lenders set the minimum interest rate they are willing to earn and bid in increments of $50 to $25,000 on loan listings they select.人们谁登记为兴银行设置的最低利息,他们愿意挣钱,出价递增50美元到$ 25000贷款清单,他们选择。In addition to criteria commonly used by institutional lenders, such as credit scores and histories, Prosper lenders can consider borrowers’ personal stories, endorsements from friends, and group affiliations.除了常用的标准机构贷款,如信用分数和历史,普罗斯珀贷款的借款人可以考虑个人的故事,从朋友的认可,并组织有联系。Once the auction ends, Prosper takes the bids with the lowest rates and combines them into one simple loan to the borrower.一旦拍卖结束后,普罗斯珀以出价最低的利率,将它们合并到一个简单的贷款借款人。Prosper handles all on-going loan administration tasks including loan repayment and collections on behalf of the matched borrowers and lenders.普罗斯珀处理所有正在进行的贷款管理工作,包括偿还贷款和收藏的名义匹配借方和贷方。

Prosper was co-founded by Chris Larsen, co-founder of E-LOAN, and John Witchel, technology entrepreneur.繁荣是共同创立拉尔森的克里斯,共同创办的E -贷款,和约翰Witchel ,技术的企业家。Backed by Accel Partners, Benchmark Capital, DAG Ventures, Fidelity Ventures, Meritech Capital, and Omidyar Network, Prosper has raised approximately $40 million.支持的Accel Partners ,基准资本,甘油风险投资公司,富达风险投资公司, Meritech资本,并奥米迪亚网络,繁荣提出了大约4000万美元。Prosper’s marketplace platform is patent pending.繁荣的市场平台是正在申请专利。

Contact:联系人:

Prosper Marketplace, Inc. Tiffany Fox, 415-593-5416 Communications Director繁荣的市场,公司凡福克斯, 415-593-5416通讯主任 tiffany@prosper.com If you liked this article, vote for it on如果你喜欢这文章,投票支持它del.icio.usdel.icio.usandstumbleuponStumbleUpon公司.

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