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Zopa
Zopa is the world's oldest and Europe's largest peer-to-peer lending service having now lent over £1 billion. Zopa peer-to-peer lending works by bringing together individuals who have money to lend, and individuals who wish to borrow money. Instead of going through traditional banks, borrowers looking for low rate loans are matched with lenders looking for better returns on their money. The name, Zopa, stands for "zone of possible agreement", a negotiating term identifying the bounds within which agreement can be reached between two parties.
==Overview==
Founded in 2004 and launched to the public in 2005, likened to eBay and Betfair by the UK press, Zopa was one of the first companies in an emerging group of peer-to-peer services enabled by the internet. It was set up by a management team drawn from many of those that founded Egg in the UK. The company is based in London and backed by Benchmark Capital, Wellington Partners, Bessemer Venture Partners, Augmentum Capital and Arrowgrass Capital.
In 2006 the Social Futures Observatory published a study entitled "Internet Based Social Lending", which seeks to understand the antecedents of social lending, drawing parallels with friendly societies. The study used Zopa as a major source of case study material.
Zopa operates in the United Kingdom. It used to operate in Italy, Japan and the USA, each under a slightly different model. However, the overseas operations have now either closed down or been spun off.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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