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Prosper Marketplace, Inc. is a San Francisco, California-based company in the peer-to-peer lending industry. The company operates Prosper.com, a website where individuals can either invest in personal loans or request to borrow money. == Overview == Prosper Marketplace is America's first peer-to-peer lending marketplace, with more than 2.2 million members and over $5 billion in funded loans. Borrowers request personal loans on Prosper and investors (individual or institutional) can fund anywhere from $2,000 to $35,000 per loan request. In addition to credit scores, ratings, and histories, investors can consider borrowers’ personal loan descriptions, endorsements from friends, and community affiliations. Prosper handles the servicing of the loan and collects and distributes borrower payments and interest back to the loan investors. Prosper verifies borrowers' identities and select personal data before funding loans〔(【引用サイトリンク】author=Prosper Marketplace, Inc. )〕 and manages all stages of loan servicing. Prosper's unsecured personal loans are fully amortized over a period of three or five years, with no pre-payment penalties. Prosper generates revenue by collecting a one-time fee on funded loans from borrowers and assessing an annual loan servicing fee to investors. From 2006 to 2009 Prosper operated a variable rate model. Prosper acted as an eBay-style online auction marketplace, with lenders and borrowers ultimately determining loan rates using a Dutch auction-like system. Effective December 19, 2010, Prosper filed a new prospectus with the SEC, changing its business model to use pre-set rates determined solely by Prosper based on a formula evaluating each prospective borrower's credit risk.〔Prosper Marketplace Inc., (Post Effective Amendment to Form S-1 ) SEC Edgar Archive (Retrieved 01-02-2011)〕〔Securities and Exchange Commission, (Notice of Effectiveness. ) (Retrieved (01-02-2011)〕 Under the new approach, lenders no longer determine the loan rate via price discovery in an auction. Instead, they simply choose whether or not to invest at the rate which Prosper's loan pricing algorithm assigns to the loan after it analyzes the borrower's credit report and financial information. The idea for the service is derived from group banking concepts, such as rotating savings and credit associations. Other motivating ideas derive from the concepts of microlending and microfinance. Prosper publishes performance statistics on its website and all market data is available to the public for analysis.〔(【引用サイトリンク】author=Prosper Marketplace, Inc. )〕 All transactions are in US dollars; lenders and borrowers must be US residents. Prosper's 10.69% annualized seasoned rate of return, net of fees, for the period of July 1, 2009 through September 30, 2011 was independently audited〔(Press Release) 〕 by Ashland Partners & Company LLP in December 2011.〔(Press Release) (Ashland Partners LLP Independent Audit of Prosper.com Annual Returns (July 2009–Sept 2011) )〕 Prosper opened to the public on February 5, 2006 and was founded by Chris Larsen (the founder of E-loan) and John Witchel. Prosper is backed by BlackRock, Sequoia Capital, Accel Partners, Agilus Ventures, Benchmark Capital, CrossLink Capital, DAG Ventures, Draper Fisher Jurvetson, Fidelity Ventures, Omidyar Network (an investment vehicle of eBay founder Pierre Omidyar), Meritech Capital Partners, TomorrowVentures (an investment vehicle of Google Executive Chairman Eric Schmidt), and QED Investors (an investment vehicle of CapitalOne co-founder Nigel Morris). 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Prosper Marketplace」の詳細全文を読む スポンサード リンク
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