首先,结合借款人的FICO得分和其他相关特征,通过原始评估模型(Initial Scoring Model)将得到一个Model Rank,分为25个层级,每个层级分别对应A1-E5的基础风险子级(Base Risk Sub-Grade)。 接下来LendingClub将利用风险调节器(Loan Grades and Risk Modifiers)确定借款人的最终信用子级。调节指标包括借款人的借款金额和借...
接下来LendingClub将利用风险调节器(Loan Grades and Risk Modifiers)确定借款人的最终信用子级。调节指标包括借款人的借款金额和借款期限。 借款人的借款利率由信用子级决定,每个等级的利率计算如下: 借款利率=基准利率(5.05%)+ 风险波动调整(0.88%~21.01%) 不同的信用子级对应了不同的风险波动调整率,信用等级越高...
Lending Club grades loans based on how risky an investment it is. A loan will receive a letter grade from A to G. An A-grade loan will have an interest rate as low as 6.16%, indicating alow-risk investment, and a G-grade loan will have an interest rate as high as 35.89% indicating...
Loan Grades (A through G): The factor most investors pay attention to is theRatecolumn, indicated in the picture by the colored boxes. Lending Club has seven loan grades (blue As are the safest – orange Gs are the riskiest), and each grade measures that loans risk. Whileallthe loans a...
接下来LendingClub将利用风险调节器(Loan Grades and Risk Modifiers)确定借款人的最终信用子级。调节指标包括借款人的借款金额和借款期限(图3、图4)。 图3:借款金额对信用等级的影响 来源:LendingClub 图4:借款期限对信用等级的影响 来源:LendingClub 借款人的借款利率由信用子级决定,每个等级的利率计算如下: ...
I.GFIB图2:InitialScoringModel得到的借款人基础风险子级来源:LendingClub接下来LendingClub将利用风险调节器(LoanGradesandRiskModifiers)确定借款人的最终 4、信用子级。调节指标包括借款人的借款金额和借款期限(图3、图4)。RequestedLoanAmountBoseRiskGradeJModifiercl$5.000-1i-1S5.000-$25,000000S25.000-S3OW00-...
the long term. Our loan rating algorithm has been thoroughly tested against past loans. The results show that using our ratings can help you increase your portfolio return by up to 5 percentage points over the LendingClub average rates, depending on the mix of grades contained in your ...
With LendingClub, the dollar-weighted average interest rate is 12.24%. In terms of credit grade, 91% were in the top 3 grade (A, B, C). 97% were in the top 4 grades (A,B,C,D). With Prosper, the dollar-weighted average interest rate is 14.05%. In terms of credit grade, 73%...
$Lending Club(LC)$昨天的8k又看到lc提高利息了。 Effective May 4, 2017, interest rates on the LendingClub Corporation ("Lending Club") platform are increasing by a weighted average of 30 basis points, predominantly in loan grades C and D with marginal changes across other grades. ...
Lending Club is a form of P2P lending. In short, you’re lending more directly to the borrowers requesting loans. Since there’s less overhead, the investor gets a higher interest rate (with some increased risk) and the borrower gets a lower interest rate on his/her loan....