Page 15 - 銀行家雜誌第71期
P. 15
Smart ౽
బ
˜ P2Pၣ༩࠾൲
̊ ٙ೯࢝પආə
ږፄ௴อၾࣖ
Զ
ଟʺf
˸dߕვБج၍ʔՑ̴f уکνϤdLending Clubʥ ݊щ֛dவɰఱ݊ί̨ᝄɽɢ
࿁ΥЪვБϾԊdו൲ ್աՑߕᗇՎج္ٙଣjΪ પਗږፄ߅ҦٙѢᗭj
Ԩʱቖ൲ಛ(originate and މ̴ה೯БٙഐවՎdϓ εج˸ԣ࿌މ˴dጳлމ
distribute)Ϙʊ݊੬کඵ ߕجɪٙᗇՎd̀Σ Ⴞfৰڢٟึܠᆓҷᜊdщۆ
ٙᐄ༶ᅼόdვБᏍLending ߕᗇ၍ึ೮া(即類似我國 ج˿ʔᕦແiอପุɰʔ
Clubཀ˥ו൲̥݊މ 的公開發行)dʑঐΥج೯ ೯࢝f
ሜɓɨٙᜊʷଢdӚʡჿɽ Бfவ݊ԱߕᑌԞ௰৷ج ν؈ซࠅಔLending
ʔəfɰΪϤdߵږፄࣛ ৫1990ϋίReves v. Ernst & Clubٙᐄ༶ᅼόdୋɓࡈѢᗭ
జٙਖ਼ᙷЪGillian Tettజ YoungɓࣩʕкӔٙႩ֛jʡ ̨݊ᝄӚϞϞࣖٙዹͭᅄڦዚ
ኬjߕɽۨБࢫՉྼ݊P2P ჿᅵٙҳ༟Бމึϓᗇ dৌྠجɛᑌΥᅄڦʕːˢ
࠾൲̹ఙٙጐਞၾ٫f ՎdცൖɨΐΪ९Ͼ֛j ༰݊ږፄዚʘගٙዚՓdՉ
Lending Clubٙ௴อՉྼ ɓe൯ርᕐ˙ٙਗዚfɚeව બᛆίვБجୋ48ૢd
ၾɪ˰ߏߕփମ(General Վʱቖࠇfɧeҳ༟ɽٙ Ͼʔ྅ߕમක׳e౷ཁeε
Electric)ʮ̡dணͭփମ ಂܙf̬e݊щʊ̤Ϟ္ଣዚ ʩٙcredit bureausՓܓf
༟ፄ(GE Capital)வ Փ̙ಯˇҳ༟ɛաٙࠬᎈf ՉϣdҢʮ̡جୋ15
ፄ༟ɿʮ̡ٙਂجɤʱཤΝf ૢɓٜேϞʮ̡༟ږʔ൲
Չࢨй̥ʔཀ݊փମ༟ፄุٙ ̨ᝄึ̈ତൈᏝვБk ׳˼ɛ֛ٙf̴͉Ը݊
ਕ͊̀˸ཧਯ˒މ࿁i ٰ؇͜࠾൲˙όϗΫٰ؇d
Ϥ̮dϋڦ͜൙ᛠ(credit Lending Clubঐவᅵᐄ༶d ٤ʮ̡fܝԸᒱ್ᕦແdܼ̍
scoring)ٙҦஔᒔೌج̂ʱл ̨ᝄٙൈᏝვБɰ̙˸ ՟ऊΑபdШ݊ʥϞಂ(指
͜ɽᅰኽ(big data)ၾစၑ kߕج࢙P2P൲׳dʕ 一年以內)eΆุʘග(亦即
ج(algorithm)Ͼʊf ശ͏ج࢙kഈࣩɽ฿ே 個人不能申貸)eุਕֻԸ
̨ᝄვБ2015.11˜ 15

