Warning: Use of undefined constant memo - assumed 'memo' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 278
홍차넷
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/outlogin_toby.php on line 34
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/outlogin_toby.php on line 45
Warning: Use of undefined constant r - assumed 'r' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/outlogin_toby.php on line 47
Warning: Use of undefined constant r - assumed 'r' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/outlogin_toby.php on line 51
Warning: Use of undefined constant memo - assumed 'memo' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 237
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/outlogin_toby.php on line 34
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/outlogin_toby.php on line 45
Warning: Use of undefined constant r - assumed 'r' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/outlogin_toby.php on line 47
Warning: Use of undefined constant r - assumed 'r' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/outlogin_toby.php on line 51
Warning: Use of undefined constant memo - assumed 'memo' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 237
Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/zero_header.php on line 269
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/zero_header.php on line 300
Warning: Use of undefined constant title - assumed 'title' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/bbs_title.php on line 16
티타임
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/bbs_title.php on line 21
Warning: Use of undefined constant header - assumed 'header' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/bbs_title.php on line 31
- 다양한 주제에 대해 자유롭게 글을 작성하는 게시판입니다.
Warning: Use of undefined constant use_formmail - assumed 'use_formmail' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 519
Warning: Use of undefined constant use_category - assumed 'use_category' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/include/print_category.php on line 9
전체기타일상/생각꿀팁/강좌방송/연예도서/문학영화의료/건강문화/예술경제생활체육과학/기술철학/종교정치요리/음식역사여행육아/가정IT/컴퓨터음악창작게임스포츠사회오프모임
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/setup.php on line 29
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/setup.php on line 41
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 398
Warning: Use of undefined constant subject - assumed 'subject' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 402
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 403
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 405
Warning: Use of undefined constant total_comment - assumed 'total_comment' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 406
Warning: Use of undefined constant subject - assumed 'subject' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 402
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 403
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 405
Warning: Use of undefined constant total_comment - assumed 'total_comment' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 406
Warning: Use of undefined constant subject - assumed 'subject' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 402
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 403
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 405
Warning: Use of undefined constant total_comment - assumed 'total_comment' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 406
Warning: Use of undefined constant subject - assumed 'subject' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 402
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 403
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 405
Warning: Use of undefined constant total_comment - assumed 'total_comment' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 406
Warning: Use of undefined constant subject - assumed 'subject' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 402
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 403
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 405
Warning: Use of undefined constant total_comment - assumed 'total_comment' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 406
Warning: Use of undefined constant subject - assumed 'subject' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 402
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 403
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 405
Warning: Use of undefined constant total_comment - assumed 'total_comment' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 406
Warning: Use of undefined constant subject - assumed 'subject' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 402
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 403
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 405
Warning: Use of undefined constant total_comment - assumed 'total_comment' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 406
Warning: Use of undefined constant subject - assumed 'subject' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 402
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 403
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 405
Warning: Use of undefined constant total_comment - assumed 'total_comment' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 406
Warning: Use of undefined constant subject - assumed 'subject' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 402
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 403
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 405
Warning: Use of undefined constant total_comment - assumed 'total_comment' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 406
Warning: Use of undefined constant subject - assumed 'subject' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 402
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 403
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 405
Warning: Use of undefined constant total_comment - assumed 'total_comment' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 406
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 2
Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/memo_replace.php on line 3
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 10
Warning: Use of undefined constant use_category - assumed 'use_category' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 40
| Date |
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 53 15/11/27 11:41:44 Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 56 |
| Name | MANAGYST |
| Subject | P2P 대출이 뭡니까? |
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P2P 대출에 대한 관심이 커지고 있지만, 정확히 알고 계신분들은 많지 않은 것 같아서 제가 간단하게 소개해볼까? 합니당 ^^ P2P 대출 관련해서 가장 유명한 회사는 미국의 렌딩클럽(Lending club)입니다. 이베이(eBay) 창업자이기도 한 피에르 오디미야르(67년생)이 2007년에 만든 회사죠. https://www.lendingclub.com/ 지난 3분기 실적 당시 그가 한 이야기를 가져봐 볼게요 "We had another spectacular quarter, with revenue growth re-accelerating from 98% to 104%, and EBITDA jumping 181% year-over-year to reach 18.4% margin ," said Lending Club founder and CEO Renaud Laplanche. 기분이 아주 좋아보이는 군요. CEO가 나와서 숫자를 이야기하는 건 긍정적으로 보시면 됩니다. 자신 없으면, 두리뭉실한 표현들이 많거든요. 이회사는 작년 12월에 상장되었습니다. 당시 시장에서 인정해 준 이 회사의 가치는 $86억(약 9.5조원) 정도였습니다. 엄청나죠! 그런데 IPO 이후 주가는 계~~속 약세를 보였고, 지금은 시총은 $48억(약 5.3조원)으로 줄었습니다. 거의 45% 정도 하락했지만, 여전히 5.3조원의 가치는 인정받고 있는 것으로 보입니다. 그럼 회사가 돈은 벌고 있을까요? 아니욧! 적자네요... 최근 발표한 3분기 실적에서는 아주 소폭의 흑자가 나오긴 했지만, 이익으로 이 회사의 가치를 설명하는 건 불가능합니다. 오직 ★폭발적인 성장성★으로만 이 회사의 가치를 설명할 수 있죠. 이익도 안나는데, 5조원이나 되는 시가총액이 유지된다? 성장성이 얼마나 대단하길래 그렇지? 점점 이 회사가 뭐하는 회사인지. 궁금해집니다. 그럼 우리나라에도 이런 회사가 있을까요? 네! 있습니다! 아니 많습니다! 얼마전, 8percent의 이효진 대표의 인터뷰를 소개합니다 ^^; http://ppss.kr/archives/56683 그럼 지금부터 P2P대출에 대해서 설명을 드리도록 하죠. P2P대출에 대해서 안다고 말하시는 많은 분들이 꼭 하시는 이야기가 있습니다. "그거 저축은행이랑 똑같은 거 아니야?" 아니요. 너무 달라요. 아니 전혀 달라요. 지금부터 뭐가 다른지 설명드릴게요 #1. 대출의 주체가 누구냐? 사람들이 저축은행에 예금을 하면, 그 돈을 저축은행이 모아서 다른 개인이나 기업에게 대출을 해 주죠. 즉, 예금자들에게 받은 돈을 저축은행에 모으고, 저축은행이 직접 필요한 사람(대출자)에게 대출을 해주는 시스템입니다. 반면, P2P 대출은 예금자(더 정확한 표현은 투자자 혹은 대출자)의 돈이 직접 대출자에게 갑니다. P2P 대출업체에는 그냥 스쳐 지나갈 뿐이죠. 저축은행이 대출을 해주는 주체라면, P2P대출은 대출을 하도록 판을 깔아주는 역할만 합니다. 이를 전문용어로 플랫폼(Platform)이라고 합니당. 쉽게 말하면, 돈 필요한 사람과 돈 빌려줄 사람이 모일 수 있는 장소를 만들고, 그 사람들이 모이면, 그들끼리 빌려주고 이자받고 하라는 거죠. 근데! 이걸 인터넷상에서 하니깐 Fintech라는 수식어가 붙는 거구요. 그럼 왜 혁신이라는 말이 붙을까요? #2. 빌려주는 사람 입장 (저축)은행의 경우, 예금자와 대출자 사이에 저축은행이 있기 때문에 아주 특별한 이벤트(금융위기 같은) 가 발생하기 전까지 서로 영향을 주지 않습니다.저축은행이 대출해 준 업체가 망하더라도, 예금자는 보호를 받는다는 거죠. 그런데, P2P 대출은 다릅니다. P2P대출 상품에 가입을 하면, 이 돈이 직접 특정개인 또는 기업에게 대출이 됩니다. 돈을 빌려준 주체가 P2P업체가 아니라, 투자자라는 것! 이걸 다시 한번 강조합니다!!! 따라서 대출한 사람이 돈을 안 갚으면, 못 돌려 받을 수도 있어요. 2-1) 높은 금리에 대하여 은행 예금과 다르기 때문에 P2P 대출 상품에는 "예금에는 없는 리스크"가 있습니다. 내가 투자(대출)해준 사람이 돈을 안 갚으면, 내 돈이 날아가는 리스크죠. 이를 Credit risk(신용리스크)라고 합니다. ★대출을 P2P업체에 하는게 아닙니당. 대출받는 사람에게 직접해주는 거에용★ 그러니, P2P대출 상품에 가입을 하면, 저축은행에 예금을 하는 것보다 신용리스크만큼 리스크가 크고, 그만큼 높은 금리를 받을 수 있습니다. High risk High return! 역시 공짜 점심은 없죠? 다만, 리스크를 적당히 회피하고, 측정할 수 있다면? 공짜 점심까지는 아니더라도 돈 떼먹지 않고, 대출한 거 잘 회수하고, 돈도 벌 수 있습니다. 그런데 앞서 언급한 credit risk를 정확하게 측정해서 내가 받을 수 있는 금리를 계산한다? 이건 사실상 불가능한 일입니다. 이건 금융공학 박사과정을 수료한 사람이라고 해도 계산하기 어려울 겁니다(전 석사여서... ㅡ.ㅡ;) 그래도 업체별로 수익률이라도 계산이 잘 되어 있는지는 한번 꼼꼼히 살펴볼 필요가 있을 듯하구요. 다음에 기회가 되면, 몇개 업체의 수익률을 직접 계산해보겠슴니당. 그리고 직접 투자를 한다는 가정하게 수익률을 꼼꼼하게 점검도 해보겠습니다. 2-2) 도대체 뭐가 대단한거라는 거냐? 왜 혁신이냐? 그게 무슨 의미가 있냐? 많은 사람들이 P2P 대출에 대해서 이야기할 때 "저축은행에서 돈 빌리던 사람들이 좀 싸게 빌릴 수 있으니깐 좋다" 이 정도로 평가하시는 것 같습니다. 요건 빌리는 사람의 입장일 뿐이구요. 제가 생각할 때 훨~씬 더 중요한 의미는 빌려주는 사람(투자자)에게 있습니다. 생각해보시면, 지금까지 개인은 늘 은행에서 돈을 빌리는 사람이었죠. 그리고 "돈을 빌려주는 행위"는 금융기관만(Only) 가능했습니다. 돈을 빌리기만 했던 일반 개인들이 이제 "빌려주는 사람"으로 바뀔 수 있게 되었다는 것이 중요합니다. 금융기관만 하던 "돈빌려주는 행위"를 이제 개인도 누구나 할 수 있는 세상이 열린다는 것을 의미하기 때문이죠. 저는 이것이 향후에 이 시장이 크게 성장할 수 있다고 보는 가장 중요한 포인트라고 봅니다. #3. 빌리는 사람 그럼 반대로 대출을 받고 싶어하는 사람 입장엥서도 생각해보죠. 이를 이해하기 위해서는 대출 시장에 대한 이해가 필요합니다. 사실 제 주변에 있는 분들이 다들 유능하시고, 똑똑하셔서 은행에서 대출을 받는 것? 정도는 큰 문제가 없는 것 같습니다. 그런데, 실제로는 은행에서 대출을 받을 수 있는 신용도를 가지고 계신 분보다 그렇지 못한 분들이 훨~씬 많습니다. 이런 이야기를 하면, 노숙자나 신용불량자를 떠올리실 것 같은데요. 그 분들 말고도 은행에서 대출을 못받는 분들은 정말 많습니다. 사회초년생이나, 초기창업자들에게는 은행의 벽이 정말 높을 수 밖에 없어요. 그리고 이미 대출을 받다가 상환에 실패하거나 상황이 어려워져서 저축은행이나 사채를 빌리시는 분들은 정말 우리가 상상하는 것보다 훨~씬 높은 금리를 부담하고 있죠. 생각해봅시다. 미국/일본/유럽의 기준금리는 Zero 수준입니다. 미연준이 12월에 금리를 올린다고 해도 겨우 0.25%올릴 거에요. 그거 가지고 전세계 금융시장이 난리도 아니지요. 그런데 이 분들이 부담하는 금리는 때론 20%에 육박하기도 합니다. 장사를 해서 이자도 내지 못하는 기업들이 많다고 아우성들이지만, 이들 기업들이 부담하는 금리는 5% 내외라는 걸 감안하면, 너무 터무늬없이 높은 금리라는 거죠. 이 분들이 조금이라도 낮은 금리로 대출을 받을 수 있는 길이 열린다면(?) 사회적으로도 매우 큰 가치가 있는 일이 될 것이라는 생각입니다. ※ P2P 대출을 하면, 신용불량자들에게 대출을 해주는 거냐? 잘못을 했으니 신용불량자가 된거 아니냐? 그런 사람들에게 왜 낮은 금리로 대출을 해주냐? 뭐 이런 공격을 하시는 분들이 있을 겁니다. 그래서 이 부분에 대해서는 상당히 조심스럽습니다. 이런 질문에 대해서까지 모두 대답하긴 어려울 것 같구요. 그냥, "P2P 대출시스템이 시중은행과 저축은행을 포함한 사채와의 지나친 간극을 좁힐 수 있는 사회적 역할도 할 수 있을 것으로 기대한다" 요정도 톤으로 이해해주시면 감사하겠습니다 ^^; P.S 다음 편에서는 앞서 언급한 것처럼 몇개 업체의 이자율을 직접 계산해보면서 투자할 때 주의할 점등을 집중적으로 다뤄볼까? 합니다. 기본적으로 신용리스크가 들어가고, 이자율의 개념이 깊이 들어가기 때문에 설명해야 할 것이 많아서 언제 할 수 있을지는 모르겠어요 Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 133 Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 146 Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 161 2 이 게시판에 등록된 MANAGYST님의 최근 게시물
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Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 142
15/11/27 13:04
23731>삭제 주소복사
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 150
P2P 업체 광고가 페이스북에 엄청 뜨더라고요. 궁금했는데 잘 설명해주셔서 고맙습니다!
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
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