Aussie Social Lending オーストラリアにおけるソーシャルレンディング

Social lending is gaining more and more attention in Australia.


Those in the industry may be aware of the LendIt conferences. They are very large social lending (marketplace lending) conferences held each year in the US, China and Europe. At the US conference, representatives from companies such as Lending Club, Funding Circle and Prosper gather and network.

FinTech業界に興味のある方なら、アメリカ、ヨーロッパ、そして中国で開催されるソーシャルレンディングの大会「LendIt」のことをご存じかもしれません。アメリカの大会では、Lending Club、Funding Circle、そしてProsperのようなソーシャルレンディングの大手が集まり、ネットワーキングします。

On 29 February 2016, the first-ever social lending conference was held in Australia. Representatives from some of the major players in the industry there (Harmoney, SocietyOne, RateSetter, OnDeck) attended. At the conference it was made clear that $260 million AUD in loans had been financed last year, and that $500 million AUD in loans are set to be financed this year. That represents a 92% projected increase. Apparently Australia is the fastest country to date where $250 million AUD in loans have been funded. Go Australia (I’m originally from Perth, Australia)!


With more support (slowly) coming from the Australian government for alternative finance, Australia certainly represents an interesting opportunity for global social lending players. Considering the stark difference in interest rates in Australia and Japan, Japanese social lending companies could be successful down under.

少しずつながらも、オーストラリアの政府がalternative finance(つまり、ソーシャルレンディングとかエクイティ型クラウドファンディング)を支援しているようです。日本とオーストラリアの金利環境の相違も勘案すると、世界のソーシャルレンディング会社にとってはオーストラリアは開拓地として面白そうなはずです。

Annualised interest rates in Australia and Japan (as of 4 March 2016)(オーストラリアと日本の金利(年率、2016年3月4日現在)):

10-year government bonds: 2.55% (Australia), -0.05% (Japan). Yes. If you hold a 10-year Japanese government bond issued on 4 March 2016 to maturity, assuming the rate does not change, you would actually lose money on your investment.


Home loans (variable rates): 3.99~4.99% (Australia), 0.519~1.075% (Japan).


Fixed-term deposits: 2.35%~2.95% (Australia), 0.01~0.20% (Japan). These rates are before tax. Considering ATM fees and taxes, Japanese are almost better off stuffing their money underneath their beds.


Such is the state of interest rates in Australia and Japan. Bringing Japanese money to Australia would be a win-win situation for all involved; the Japanese get much greater returns than at their bank, and Aussie SMEs get much-needed financing at a relatively low cost. Naturally it’s not necessarily as easy as it sounds, but I think that it’s an interesting project that can be realised with the right planning and execution.


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