香港零售贷款业小额贷款的大抱负_时事

香港零售贷款业小额贷款的大抱负

Its growth has been encouraging, he says. In the fourth quarter of last year, loan applicationsat WeLend quadrupled year on year. By mid-April 2015, WeLend had received re¬quests for atotal of nearly $170m, up 40 per cent from the end of 2014; the average loan is about$10,000, the maximum $65,000.

他表示，WeLab的发展一直令人鼓舞。去年第四季度，WeLend的贷款申请同比翻了两番。到2015年4月中旬，WeLend收到的申请额总计近1.7亿美元，相比2014年底增长了40%;贷款额平均为1万美元左右，最大一笔为6.5万美元。

Mr Loong declines to reveal the size of the loan book, but as WeLab’s confidence in its creditrisk evaluation has improved, approvals have risen from 10-15 per cent of applications to 20-25 per cent. This is un¬like¬ly to rise much more: taking on riskier customers might need debtcollection, raising costs and altering the online-only model.

龙沛智不愿透露贷款账目的大小，但随着WeLab对其信用风险评估的信心逐步提升，批贷比例已从10%到15%升至20%到25%。这个比例不太可能再上升很多：接受风险更高的顾客可能需要追债、提高成本和改变只做线上业务的模式。

Hong Kong has demonstrated the efficacy of WeLab’s credit assessment technology, so thecompany is expanding to Chinese mainland. The mainland site, Wolaidai (“I will lend), operates apeer-to-peer model, which links small scale lenders and borrowers, limiting WeLab’s capitalcommitment to China’s $40bn unregulated online lending market. Still, risk assessmentremains rigorous to ensure healthy growth: “The platform will get destroyed if individuallenders are blowing up, says Mr Loong.